Quote From pm133:
The sentence you used above "they PROBABLY won't bother" is the reason why the OP should play this by the book unless they particularly enjoy sleepless nights, crushing uncertainty and even the slightest chance of serious debt. The OP may not have assets to sell but that won't stop a County Court Judgment being served on them. That will cause them credit rating problems for years at the very least.
Also, as you know if you worked in debt recovery, it is a trivial thing to track someone down. There is an entire industry dedicated towards it.
Ignoring any debt is a potentially disastrous thing to do.
Sure, it's a personal thing. Some people will pay stuff just to get creditors off their back, others won't pay if they feel they are being taken for a ride. I'm in the latter camp. Without known assets as I described, most creditors won't bother with a CCJ or equivalent because most (I'm talking like 80%) debtors do not have any assets worth pursuing and it is not cost effective. It can be trivial to track people down, but again, most places don't bother because of the time it takes if the basic searches come up blank. Also, if you're not on the electoral roll, or are on the closed roll, and you don't post crap on social media, it's actually not that easy. The data is there (e.g HMRC, DVLA) but due to DPA creditors don't have access to it.
I'm not talking in absolutes here because I'm a scientist and I don't have the data :P
If the OP is Canada though, sure, rules may differ. But I wouldn't bet on it.