; (K) commence or continue an action to evict a consumer or small business from real or personal property; or (L) disconnect or terminate service from utility service, including electricity, natural gas, telecommunications or broadband, water, or sewer. (2) Rule of construction Nothing in this section may be construed to prohibit a consumer or small business from voluntarily paying, in whole or in part, a debt. (c) Repayment period After the expiration of a covered period, a debt collector shall— (1) not add to the past due balance any interest or fee prohibited by subsection (b); (2) for any debt with a defined payment period, extend the time period to repay the past-due balance of the debt by 1 payment period for each payment that a consumer or small business missed during the covered period, with the payments due in the same amounts and at the same intervals as the pre-existing payment schedule; (3) for an open end credit plan, as defined in section 103 of the Truth in Lending Act ( 15 U.S.C. 1602 ), or other credit plan without a defined term, allow the consumer or small business to repay the past-due balance in a manner that does not exceed the amounts permitted by the methods described in section 171(c) of the Truth in Lending Act ( 15 U.S.C. 1666i–1(c) ) and regulations promulgated under that section