[SpicyLemonZest]

I actually don't agree. Many debts in the US are effectively non-collectible, because all the property from which they could be collected is exempted. (This is especially true in Texas, where wages can't be garnished for most debts.)

[JamesBarney]

I just meant a debt that is inherently non-collectible (and thus does not need to go to court) is not a debt.

For instance determining whether or not a house is a homestead and whether or not the debt is therefor effectively non-collectible or not is something that requires a court.