Italian families are some of the least indebted in Europe. This is the conclusion of the new report "Oltre il Debito", published by Clinica del Debito, a professional organization that assists individuals and families in overcoming debt using legal tools and tailored solutions. However, the report highlights a figure that is as reassuring as it is misleading. While Italy ranks third in Europe in terms of net wealth and low debt exposure, millions of households are in dire financial straits, with no reserves or liquidity to handle even small unexpected expenses. The report examines the most recent data on over-indebtedness, revealing a silent but growing phenomenon. Controlled liquidation proceedings, which involve the sale of assets to pay off debts, account for 65% of decisions made nationwide. The paradox is evident: the challenge is not the extent of indebtedness, but rather the absence of readily accessible resources. The research emphasizes the growing burden of so-called "liquidity poverty" and the issue of the "cashless rich", which refers to families who own homes but are unable to cover unexpected bills due to a lack of liquidity. Job loss, unanticipated health concerns, inflation, and an overreliance on consumer borrowing are among the leading causes of indebtedness. Furthermore, one in every two cases never reaches court, and 60% of applications are denied, underscoring the complexities of procedures and the necessity for professional assistance. The Italian paradox is clear: we are among the least indebted in Europe, but also among the most vulnerable in terms of liquidity. This means that even little economic difficulties can drive otherwise stable households to their knees.