IMF wants personal bankruptcy law in Hungary but not in Romania. Why?

Few weeks ago I wrote a post about the benefits of personal bankruptcy law for the Romanian economy. At that time I was told that it IMF told Romania not to introduce such a law.  Here is what protfolio.hu says IMF is asking Hungary to do to get a credit line:

Personal bankruptcy law will jump-start the lending market in Romania

Whenever we speak of capitalism, boom, bust, bankruptcy invariably we think of corporations.  I am also guilty of spreading this type of thinking as in my posts about bankruptcy I specifically referred to companies, banks, and states. Never once did I mention personal bankruptcy.  It is only fair, in my view,  that individuals should have available to them the same instruments available to corporations.  This is one more law that we need to implement in Romania if we ever want to become a developed country with a small state: personal bankruptcy law.