That’s a possible result of a civil lawsuit, it usually ends in wage garnishment though. To reach that point roughly means making no payments for many months, followed by a long period of being in default while you and whatever family or friends they have contact info on are harassed endlessly, then the loan servicer filing civil lawsuit against you, then having the judge rule in their favor and ordering wage garnishment (or opening of your banking accounts and listing of personal assets if no employment claimed/found). Unless you’ve moved into a cabin in the woods, you’ll be well aware of this whole process as it happens and it’s not quick.

In the U.S. I believe wage garnishment is capped at 25% of earned income. The HR people at the employer get a court order and then start sending whatever % portion of direct deposit off to whoever was listed in the order.