I'd say it's just a debt as any other then. Not directly related, but personal bankruptcies aren't a thing here. If a debt can't be paid, it goes to recovery p

I'd say it's just a debt as any other then. Not directly related, but personal bankruptcies aren't a thing here. If a debt can't be paid, it goes to recovery proceedings, and will stay like that until it expires in (generally) 15-25 years.