During the prescribed period, proceedings for the recovery of a rate or charge may not be commenced against a person by or on behalf of a council under section 712 unless the council has considered each of the following--
(a) whether the payment of the rate or charge could be made in instalments or by way of some other financial arrangement,
(b) whether the person should be referred to a financial counsellor,
(c) whether mediation or alternative dispute resolution should be attempted first,
(d) whether interest on the unpaid amount should be deferred or waived.