; (K) commence or continue an action to evict a small business or nonprofit 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 subsection may be construed to prohibit a small business or nonprofit from voluntarily paying, in whole or in part, a debt. (3) Repayment period After the expiration of the COVID–19 emergency, with respect to a debt described under paragraph (1), a debt collector— (A) may not add to the debt balance any interest or fee prohibited by paragraph (1); (B) 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 small business or nonprofit 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; (C) 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 small business or nonprofit 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