this post was submitted on 21 Feb 2026
720 points (98.5% liked)
Not The Onion
21265 readers
1524 users here now
Welcome
We're not The Onion! Not affiliated with them in any way! Not operated by them in any way! All the news here is real!
The Rules
Posts must be:
- Links to news stories from...
- ...credible sources, with...
- ...their original headlines, that...
- ...would make people who see the headline think, “That has got to be a story from The Onion, America’s Finest News Source.”
Please also avoid duplicates.
Comments and post content must abide by the server rules for Lemmy.world and generally abstain from trollish, bigoted, ableist, or otherwise disruptive behavior that makes this community less fun for everyone.
And that’s basically it!
founded 2 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
I'm curious, what happens if you just don't pay? What if you just go back home and never come back?
Honestly if you never go back, not much. It wouldn't even impact your credit rating, and your country likely doesn't have the means to enforce it. I could imagine you get harassed by us debt collection agencies but they can't do anything about it either. If you're never returning to the US, it's fine.
You could likely even still holiday in the USA. It won't impact your visa as it's not a criminal offence either.
I'm not a lawyer, and could be totally wrong, but I asked my dad who is also not a lawyer.
After 7 years without any payment, most debt including medical debt and standard loans are discharged. The non-payment is key. Even sending a cent will restart the obligation to that debt
If the debt is large enough, the companies will use a myriad of tricks to keep the debt alive long after it is supposed to expire.
Like what?
They will actually make a payment in your name to the account and that will keep the debt alive for at least a year or two.
That would be fraud. I'm sure it happens, and it's going to be hard to prove it did. This whole system is undoubtedly rotten, and I'm not excusing any part of it.