Which of the following statements about bankruptcies is not true? They can prevent people from qualifying for loans.
They may result in debt being restructured.
They may result in debt being forgiven.
The rate of bankruptcies in the U. S. is steadily decreasing.

productive most commonly means: achieving or producing a significant amount or result.

explanation:

productive can also mean:

these depend on how the word productive is used. most likely productive will mean   achieving or producing a significant amount or result.