Legal Question in Credit and Debt Law in Minnesota

Depends on what you mean "without consequences". If you are really uncollectible, then creditors will be unable to take anything from you and, after a while, will probably leave you alone for a period of time and resume collection efforts in "x" months, or or sell your account to a debt buyer firm and that firm will, after a while, make collection efforts. It will probably be a few months of collection efforts followed by a few months of nothing followed by a few months of colleciton efforts followed by a few months of nothing ....