I am actually in the great social paradise of European Union. It's not as good here as the EU shills make it out to be, unfortunately; I'd love to be in the USA. My court was automatical and behind my back without any notice, and there wasn't anything I could do after they forced my bank account into negative balance equivalent to median yearly wage. Not sure what the US equivalent of this would be, this is how the EU deals with debts; they will go to whatever they label as your home and take the stuff there if the bank account is too empty, regardless of whose stuff is it - no real way to appeal after it's done. My bank account fortunately paid for half of the debt so they didn't immediately go steal stuff from my parents.