Task: Translation
Input (English): Much of the 90 minute hearing focused on specific cases where interest rates were raised, allegedly because credit scores of the debtor dropped, and not because they were delinquent or otherwise behind on payments.
Output (Chinese): 90分钟的听证会主要集中在提高利率的具体案件上，据称是因为债务人的信用评分下降，而不是因为他们拖欠或以其他方式拖欠付款。