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It's exceedingly unlikely unless you're not willing to make any effort whatsoever to negotiate a settlement of the debt, credit counselling and the like.In England and Wales, for unsecured debts they can get a charging order meaning they are paid when your house is sold (no minimum debt) and compel sale if the debt is £1000 or more. You would have to really exhaust the system's patience to lose your home for credit card debt though.