I'm trying to understand the risks involved in leaving a UK debt if I move to Aus.,not because I want to completely avoid debt but because I want to gain some leverage in negotiations for a loan that I'm struggling to pay. At the moment the lender has rejected any attempts I've made to reduce the monthly amount and are now threatening court action. I'll be leaving the UK for Australia soon to rejoin my family so I'm considering this option. Just a question to clarify, I understand that a CCJ is enforceable in the courts in Aus so need to avoid this by being out of jurisdiction. What I don't understand is why, once the debt is sold to an Aus collection firm, they can't start proceedings in Aus to recover the money. Surely if they own the debt, they can legitimately start a court action in Aus for the debt. Do they not just because it's too expensive it is there a legal reason why not? Thanks in advance!

Hi I'm really interested in this, not because I want to completely avoid debt but because I want to gain some leverage in negotiations over a loan that I'm struggling to pay. At the moment the lender has rejected any attempts I've made to reduce the monthly amount and are now threatening court action. I'll be leaving the UK for Australia soon to rejoin my family so I'm considering this option. Just a question to clarify, I understand that a CCJ is enforceable in the courts in Aus so need to avoid this by being out of jurisdiction. What I don't understand is why, once the debt is sold to an Aus collection firm, they can't start proceedings in Aus to recover the money. Surely if they own the debt, they can legitimately start a court action in Aus for the debt. Do they not just because it's too expensive it is there a legal reason why not? Thanks in advance.