All debt is backed by force. If they can prove you have debt then a law suit can be filed against you. After that, your assets can be taken as payment or they can garnish your wages. There is technically no such thing as unsecured debt in that regard since they will take whatever they can from you if it comes to that. Even just for credit card debt. Secured debt only specifies in advance what property can be taken from you. Same thing happens for bankruptcy. You don’t get to walk away from debt if you have a job or if you own any type of property. Also, if you die with debt, they will go after your estate. If you had a co-signer… yup.

Debt is a drug, just say no!