A common strategy in the videogame Elder Scrolls II: Daggerfall is to rack up as much debt as you can, then move to a different jurisdiction. As long as you didnt return to the region you were indebted to, you could play the game as normal and it wouldnt be a problem.
It's similar in the real world, but with a few caveats to remember:
1. Say you grow a sizable debt in the USA and then go to Croatia. You debt in the USA does not disappear and depending on the tenacity of the people working at the collections agency, they might do everything in their power to pursue you if you ever return to the USA.
2. Any assets, bank accounts, crypto you hold on USA exchanges, wages from jobs you hold in the USA even if working remotely can be potentially seized or garnished again, depending on the knowledge and tenacity of the creditor or the collections agency assigned to you.
3. This will severely fuck your credit score if that is something you care about though this is very easy to repair once you start paying down your debts for a few years.
4. Sometime your toxic debt will be written off by creditors and will be considered income which you can be taxed on. Then it becomes an IRS issue, and you don't want to be on their bad side.
5. If your offense reaches such a level that you piss off the wrong people, you could risk passport revocation which will make it harder for you to travel outside of your home country and easier for you to be deported back to it.
6. Started a new life in a new country with no network is extremely difficult and costly. Given your history of solving your problems with debtmaxing you are probably a retard who will just make the same mistakes again and again, alienating everyone you come across in the process, and eventually you will piss off the wrong people and you will have exhausted your allies and become such a burden that no one will really care if you die.
On the flip side, most people that work at collections agencies are fucking retards who failed their way into their current careers and don't give enough of a shit to overcome the least bit of resistance. With these people you could potentially just keep kicking the can down the road indefinitely until you are just another line on their books that they have forgotten about. I should stress, though that debt maxxing is still a retarded idea even if you come out a hero. Just my opinion.
