; (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; (3) shall, for an open end credit plan (as defined under section 103 of the Truth in Lending Act) or other credit without a defined term, allow the consumer to repay the debt balance in a manner that does not exceed the amounts permitted by formulas under section 170(c) of the Truth in Lending Act and regulations promulgated thereunder