This article examines the level of creditor satisfaction during the debt relief process for debtors, explicitly focusing on the impact of mitigating conditions for debt relief in the Czech Republic. The primary objective is to determine how changes in legislation influence the behavior of creditors and debtors and the impact of personal bankruptcy on creditor satisfaction. Additionally, the study investigates the relationship between creditor satisfaction and the debtor’s income, as well as the level of loan security provided by the debtor’s assets. The research analyzes data from 148 insolvency proceedings involving 843 loans. The analysis shows that debtors can be categorized into two groups: the first group repays their debts in total, while the second repays only partially. A noticeable trend emerges, showing decreasing repayment rates as debt increases. The results indicate that creditors require security, particularly for larger loans. The findings suggest that mitigating debt relief conditions may reduce creditors’ motivation to extend loans, potentially destabilizing the credit market. This article provides valuable insights for future legislative adjustments and contributes to understanding the dynamics between debtors and creditors within the debt relief process.