Hi,
If a borrower defaults on a debt, the Jewish court cannot force him to seek employment in order to be able to pay off the debt. The possibility of non-payment is an accepted risk of lending money.
(Shulchan Aruch Choshen Mishpat 97:15; Sefer Meirat Einayim to Choshen Mishpat 97:29)
Have a great day,
Mordechai
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