“In general, you will want to ensure that your clients and customers fall into the last two categories,” FindLaw.com explains. “You will be able to manage and work with those that fall into the last two categories because they have a history of making full or partial payments. As a small business owner, however, how many times can a debt collector call before it's harassment you need to be able to devise a strategy and method for figuring out which clients and customers fall into the first category.”