Answer:
Greek and Italian Padrones
Explanation:
The padrone system was a system of labor that was used by many immigrants when looking for jobs in the United States. This was more popular among the Greeks and Italians, but the Mexicans, Japanese and Chinese were also involved. In English, padrones simply means manager or boss.
Since Chloe has a history of not paying his previous monthly utility bills, the lender probably deny her line of credit. Chloe cannot further use the services offered by the lender unless she will pay her balance. Non-payment of monthly utility bills is an enough reason that lender will on-hold her account temporarily until she settles her balances.