A debtor who is unable even to make these payments can apply for "debt liquidation." Going this route, they hand over all their assets, and the proceeds are distributed at the court's discretion among the creditors.
但若債務人連這樣也做不到，則可聲請「清算」，就是把所有財產拿出來變賣，由法官裁定分給各債權人。