Alternatively,

methods to prevent debt accumulation

basic staple in preventing debt accumulation is maintaining full-time employment.
http://www.debt.org/advice/avoiding-debt/
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these provisions are likely both intended to avoid dangerous patterns of rolling over and accumulating short term debt, particularly when it is used to finance operating deficits – there are many instructive examples from international experience

The limit on total short term borrowing to 20% of budgetary revenues is not unreasonable as part
of a plan to protect against accumulating debt to finance recurring deficits.
https://www.rti.org/pubs/mun-borr-bh-mdg.pdf
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the Department in preventing debt accumulation through prompting reviews in

Management of Benefit Overpayment Debt
Autorzy Great Britain. National Audit Office

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The method and system described herein reduces uncertainty of investor return while preventing debt accumulation beyond a predetermined
http://www.google.com/patents/US20130297486

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. Common sense suggests that preventing debt accumulation </b? is preferred to managing debt after it.

http://www.dshs.wa.gov/pdf/esa/dcs/reports/ArrearStratificat...