I'm not aware of that particular situation, but I can tell you what usually happens. In a situation where a loan or a payment is in arrears, we immediately go to work on it. As I said, the ideal approach is to work proactively. You have to be able to restructure a payment schedule, extend amortization and come up with other solutions by comparing types of goods or available loans that would allow for a slightly different payment schedule. For example, you can opt for a partial interest-free loan. In that case, however, interest may still accrue even if it isn't required to be paid at that time.
There are various situations. That's usually what happens for a loan to be restored to performing-loan status. In the case you mentioned, it may simply be a matter of the definition that is assigned to the word “charges”. The main thing is to find a way to restructure a payment schedule.