Why can’t you not pay your debt until you die, sure the interest will be insane but they can’t come after you if you’re dead
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This may or may not matter to you, but that strategy would pretty much entirely preclude your heirs being able to inherit anything of yours. Debts cannot be inherited but all of your assets will go to your creditors before they go to any of your heirs.
But yeah, like the other commenters have said, people who give loans weren’t born yesterday and they’re going to make you agree to terms that let them take your assets to pay your debts long before the end of your natural life.
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