Most hire purchase and conditional sale agreements give the creditor the right to terminate the agreement and repossess the goods for breach of contract. The commonest form of breach is default in payment. Of course, the creditor could merely sue for arrears owing, but this is rather an onerous undertaking where the debtor continually defaults. The creditor would clearly prefer to terminate the agreement and recover the goods, which he or she could then sell. Some consumer credit agreements may contain accelerated payment clauses, allowing the creditor to claim the whole of the outstanding balance where the debtor is in default; this, again, is preferable to suing for arrears for each default in payment. Accelerated payment clauses are valid, provided that they are not interpreted as penalty clauses this can be avoided by providing for an appropriate rebate on interest for early repayment.