this post was submitted on 18 Jan 2025
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Step 1: Refuse to pay
Step 2: Wait 7 years
Step 3: ???
Step 4: Profit?
Is there anywhere that lets people discharge fines with bankruptcy?
In my home country the only debts that can't be cancelled by a personally bankruptcy are debts to social security, taxes, and credits acquired through fraud.
The caveat is that court will take over your personal finances and property for 3 years and try to pay as much debts as possible before the process is finished.
Which country is that?
Portugal, but I would be surprised if it's much different in the rest of western Europe.
I looked it up for Germany, seems like you can't get out of fines by declaring bankruptcy there.
I've never tried this, but I've heard that in the US (where I live) if you declare bankrupcy, all debts cannot be reported to credit report after 7 years of the declaration of bankrupcy. And the lender cannot initiate legal proceeding against you to force you pay. So as long as you don't own property, the debt is (for the most part) gone.
(However, student loans seem to be an exception to this rule)