It is important to note that various individuals and companies are tied up with operational and managerial challenges that do not give them much time to pursue and recover their existing debts.

It has also been observed that the typical behaviour of the Ghanaian or human being per se is that, debts owed that are not pursued should not be paid hence the literal Twi saying that "megye na mini bi, hwan na owo ahuoden” meaning the "taker and giver........ Who is the strongest?”

It is observed that companies and individuals may not be having cash to pay for all the huge legal expenses such as hiring of lawyers that goes with the recovery of debts so may not be in a position to pursue it.

It is also observed that companies and individuals may not be able and therefore willing to go through all the necessary judicial processes in recovering the debts.

Ease the burden of courts which have been flooded with such cases by trying to assist in managing some debts owed to/by individuals and companies.

Amongst some of the observations is that some individuals and corporate organisations fail in their businesses due to so many debts owed to them by various debtors and some also due to debts they owe which they could not manage.

We also noted that some of these debts are lost due to inappropriate and inadequate due diligence made before the transactions.

It has also been realised that most individuals and companies have so many unanswered "intelligence’ challenges which burden and may eventually destroy them. The sad thing is that, since some of these challenges may not fall within operational functions and duties of the state investigative organs, they may not be able to get assistance from them.