I mean, half of all mortgage debt was in default.

半数的住房抵押贷款都违约了。

By 2007, Roverland was dead, the Carpoffs' mortgage was in default, and creditors were suing.

到2007年，Roverland(修车铺)倒闭了，卡波夫夫妇的抵押贷款违约了，债权人纷纷提起诉讼。

They said that basically the loans needed to be in default to have their decision makers pay attention to a modification request.

他们说，基本上贷款需要违约才能让他们的决策者关注修改请求。

By some measures, it is among Italy's best-run banks: only 0.4% of loans are in default and only 4.9% of loans are classified as “problematic”.

按某种标准来看，它是意大利运营最好的银行之一：贷款违约率仅为0.4%，坏账率仅为4.9%。

But those who were in default need to take certain steps to do so - and complete them before next September to keep their loans out of default for the long term.

但那些违约的人需要采取某些措施来做到这一点 - 并在明年 9 月之前完成这些步骤，以防止他们的贷款长期出现违约。