; (7) enforce a security interest through repossession, limitation of use, or foreclosure; (8) take or threaten to take any action to enforce collection, or any adverse action for nonpayment of a debt, or for nonappearance at any hearing relating to a debt; (9) commence or continue any action to cause or to seek to cause the collection of a debt, including pursuant to a court order issued before the end of the 120-day period following the end of the COVID–19 emergency, from wages, Federal benefits, or other amounts due to a consumer by way of garnishment, deduction, offset, or other seizure; (10) cause or seek to cause the collection of a debt, including pursuant to a court order issued before the end of the 120-day period following the end of the COVID–19 emergency, by levying on funds from a bank account or seizing any other assets of a consumer; (11) commence or continue an action to evict a consumer from real or personal property; or (12) disconnect or terminate service from utility service, including electricity, natural gas, telecommunications or broadband, water, or sewer. (b) Rule of construction Nothing in this section may be construed to prohibit a consumer from voluntarily paying, in whole or in part, a debt. (c) Repayment period After the expiration of the COVID–19 emergency, with respect to a debt described under subsection (a), a debt collector— (1) may not add to the debt balance any interest or fee prohibited by subsection (a); (2) shall, for credit with a defined term or payment period, extend the time period to repay the debt balance by 1 payment period for each payment that a consumer missed during the COVID–19 emergency, with the payments due in the same amounts and at the same intervals as the pre-existing payment schedule