As a business person you won't want to loose customers and to lose your business. So when. Someone come to take something on a debit first.

1. Have a book where you list all the names numbers of those who owe you.

2. Make an agreement

3. Set your right

So when all who owe you refused to pay now you go to the debit book make calls and ask why they fail to pay.

It's your right to demand for what they owe you, because the business is yours and so you can call for the arrest if they fail to pay what they owe you

In a made agreement - if the creditor goes against the agreement of paying off the debit, you have a right to take the agreement to the nearest chief of your area so they can be questioned.