For me it is a crazy leap, I have huge student debts, some other random debts, normal corporate jobs don't pay enough to cover the debts, and finally, there are no bankruptcy for individuals in Brazil, you stay forever in debt, and when you die relatives inherit your debt.
That sounds pretty terrible... is there a way for you to escape from this crazy country to one where you can declare bankruptcy? It sounds like you're basically in indenture servitude at the moment.
The best wage I found for a programmer is around 2000 USD/mo (unless you work with SAP, then you can get 7k/mo but I don't work with SAP)
There are no way that I would cover my debts with a normal job unless I got really lucky and someone decided to make me CTO of a medium company or something like that
Situation isn't much better here in Portugal, but it is slightly better. Why not jump over the ocean?
Average for a developer is around 1000-1200 EUR/month. If you are good and have a good track record 1500-2000 EUR. It isn't much after taxes, but compared to 500 USD/month should allow you to pay for your living expenses if you are frugal and make a dent on your debt.
And if whoever in the government is handling that really wants to be evil, he can give your debt to third degree cousins.
Of course, those third degree cousins can sue back to not get the debt, and there is a fair chance for they to win and avoid it... But if the government is hell bent enough in taking your money (usually happens when you debt is taxes debt) it can try that.
Brazil has two types of heirs, mandatory, and others. You cannot give more than 50% of your inheritance to others in your will, the point of that law is to now allow someone to give money to a distant cousin instead of wife, kids or parents. The issue is that this law summed with the debt inheritance, means that distant cousins are potential (But not mandatory) heirs of your debt, and evil enough government lawyers can make it happen...
My guess is that this was setup because Brazillians had the habit to go in debt sprees when they knew they would die (for example, guy know he has cancer, then he buys a yatch and enjoys himself until he dies, this law is to prevent that, but the side effects are terrible).
