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The exp debt appears on the exp bar in red, and is paid off before you can again gain experience towards level- But as stated above, you do not Lose experience on death. If you had 9,999 experience and die, you'll still have 9,999 experience, but you'll now have 1,000 exp in debt that must be paid off before you can gain that last exp point to gain your level.
That all said, to answer your question: No, you cannot disable the exp debt on death without modding; if it's possible via modding it's not something I know how to do.
As for the bear, I'd recommend...Going to do just about anything else more than 200 meters away for awhile, as typically animals and zombies and such will despawn if you're not in the area for long enough.
Also I did not see the EXP bar i was just using the menu and it looked like my needed EXP was going up by around 3K exp each time i died so i was think i was losing the exp.
Now i just have to understand why the trader keeps warping me away from the post when i get close.....I hope it's not a bug.
As for the trader warping you away, You can't visit the trader at night; He opens at 6:05 am and closes at 10:55 pm. Attempting to approach the building at night will warp you away, so you can't use it to cheese zombies with the invincible building.
If it's daytime post 6:05am and it is still warping you away, it's likely a bug.