[Prophet in the wilderness]

Instead of having debtors prison, have them perform community service at a company or the company that they owe the money to , to work down there debt.
As is in the idea in the Habitat for Humanity, those who can't afford to buy a house on their own, get the help from Habitat for Humanity.
They agree to help build other peoples homes after a certain amount of " SWEAT EQUALITY " hours, and after that, other volunteers will help build their home.
I don't believe putting people in prison for not paying their debt will help, if they are in prison ? how are they going to find a job and pay down their debt ??
We need to be innovative in finding ways to a solution to this problem.
Since those people may not have any financial means to pay down their debts, then, have them volunteer to perform a service to pay down their debt at a company or the company were debtors owes money.

[staytrue]

You want a practical solution, that is the debtor works off his debt. But what if the debtor refuses to do that ?

Further, prison may be good because the lender does not get his money back which enforces a discipline on the lender and also on the debtor.

I don't want people working as virtual slaves for a lender. I want people to think about what the heck they are doing before they even get into that position.