Debt is not an issue that is "long and complicated." I've pulled myself out of $80,000 in debt with Chapter 13 bankruptcy. It's a very simple process that involves monthly payments, much like you are explaining. Israeli law on this matter seems to be almost identical to American, I cared enough to google it. As for tokumei, just because you believe him doesn't mean I do. I have still yet to see substantial proof that he served, other than vague or misleading photographs.