How do founder’s manage delayed payments on credit sales in your country ?

Greetings Redditor's

I would like to know how you manage delayed payments on credit sales in your country as it's quite difficult to retrieve payments in India and that it's a hectic procedure to avail legal help by even taking a toll on mental health

Do you use any softwares that auto credit your account with the debtors amount ?

Would like to know different perspectives

Regards