This article from Marathon Debt Recovery Ltd. differentiates between two types of Kenyan debtors: those who genuinely cannot pay and those who are unwilling to pay, highlighting distinct recovery strategies for each.

• The core issue for many businesses isn't lack of sales, but financing their customers, making debt recovery crucial.
• Debtors are categorized as "can't pay" (genuine cashflow problems) and "won't pay" (money exists but is intentionally withheld).
• Creditors often fail by confusing politeness with passivity, allowing receivables to become unrecoverable while trying to "protect the relationship."