Depends on the kind of debt

I stopped paying my credit card bills and they sent them to an infinite chain of debt collectors (raising the national GDP every time it’s sold im sure) until after 7 years it fell off the statute of limitations and they can’t do shit fuck anymore

This didn’t work for my student loans which I applied for income based repayment the day they were finally going to default and I haven’t logged back in to look at it in 3 weeks because I’m afraid. Thanks Joe Biden

If you have a solid income, and a credit union account, see if they offer debt consolidation loans. You can often save a lot in interest doing it that way. My credit union gave me a 10% interest rate, still ridiculous, but better than the 26% I was paying on my credit cards. You can also look into 0% interest balance transfers on credit cards, but that also requires a decent credit score and access to credit cards.

It’s just a made up concept, you’re good.

It’s not real if you flee the country and never have to pay it back

There are two interlocking parts to direct action debt resistance that remains plausibly legal.

First is the debt whale, who is counted upon by the financial sector to keep generating interest on debts, so must be allowed to take out more debts.

Second is the debt eel, with negligible or no debts and a clean record.

The debt eel and the debt whale get together in a mutualistic arrangement that can be portrayed to the state as a landlord-tenant relationship. All property is legally controlled by the eel as the board member of a trust, which has an organizational imperative to share its resources equitably with all classes of members. Then the whale can go into more debt, funnel it into the trust to expand its holdings, and then declare bankruptcy as an individual, knowing that the trust/org will take care of the whale.

This is similar to how rich people accumulate their money without paying taxes and other premiums on it. The model is fueled by faith in each other, by interpersonal reliance in a form that the state does not recognize as having linked assets.

If you want to do something less scheme-like, just take out the debt-seeking part, and you can simply have a nonprofit that you donate as much as you can to, and the nonprofit is dedicated to housing solutions and environmental conservation (read: you live in unconventional buildings in the woods with all your friends). You can not have any vehicle or commute (besides a shared van/truck for scrapping and dumpster runs), do a bunch of gardening, cook meals in big batches, milk what’s left of society’s safety net, and sing and dance around the campfire every night.

TL;DR give up the strictly individual approach, and live like a communist.

What country are you in? Do you have any organisations like stepchange who could give advice, or potentially ask for some of the debt to be written off?