Welcome to criminal offense? You get sued, plain and simple. Bank or lender sues you, and either you cooperate or your shit gets taken and if it’s still not enough, you get part of your pay docked each month for x time.

In poor people cases, that goes down to minimal pay (exceptions happen if needed, for example caring for elder I believe).

Rich people have enough shit for taking most of the time that it gets resolved at first step.