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Well unsecured consumer debt has technically no legal consequences if it is not paid unless you get permission to garnish wages from a court. Most consumer debt collectors use the "badger and harry" approach of constant phone calls to collect debt.
Secured debt will just take the collateral.
Of course try the high fico score debtors first.
Or just forgive the debt.
Yeah, that "technically no legal consequences" though is a thin thread that's protecting you. It was being discussed on another thread.