Because of the present economic situation, especially due to the financial crisis of 2007-08, many scholars have started to investigate the nature of debt. Not only the subject, but also other problems, such as social and economic consequences related to debt have not been studied yet. Thus, in order to make better policies for decision-makers in the future, scientists have realized that it is necessary to understand how different forms of debt, such as bankruptcy are developing. In my presentation, I will show an agent-based model to describe and to understand the nature of debt, in particular household debt, which indicates that debt refusal develops as an organized movement.