“If you ignore it, they can get a summary judgement and judicial lien against you. Now there's a court order for you to pay. If you fail to pay, the state can foreclose on any property the state might have a lien against.l
What state? Hawaii? No property here! How would they know I’ve left or where I went? Maybe a drivers license? I’ll take my chances….
Someone in Hawaii can sue you even if you live in another state. That's why if you're living in a different state than your spouse, it's better to file for divorce first and in your state of residence. Then the spouse has to travel. And depending on the state laws where the debtor lives, you can go after their property, wages, etc. even if in another state.
That's why you need the judgement first.
Unless you decide to live off the grid and never use any government services, they'll know where you live.
I had someone take out a student loan using my social security number while I was in college -- wrong name, but my number. That was in 1982.
In 2001, I was refinancing my VA mortgage, and I was told I had an outstanding student loan. Failed to show up on any other credit reports for almost 20 years. So, even though there are statutes of limitation on most debts, some seem to last decades.
Eventually, they will find you -- or your family member.
I'm not saying you'll never get away with it. I'm just saying if Hawaii wanted to come after you, they will. Finding you is the least of their worries. Way too much of our lives are online and easy to search.