There are four types of debtors: creditors or collection companies, lawyers or legal personnel, salesmen or marketers, credit card companies or banks.

1. Creditors or collection companies: These people are responsible for collecting debts. They may collect debts by phone, text message, letter, etc. Or take legal measures to recover debts.

2. Lawyer or legal person: If the debtor is unwilling to repay or refuses to acknowledge the amount owed, the creditor may ask a lawyer to intervene and solve the debt problem through legal channels.

3. Salesman or marketer: Some companies or institutions may send salesmen or marketers to collect money, especially some small debts.

4. Credit card company or bank: If the debt is caused by credit card consumption or loan, the credit card company or bank will recover it through its own collection department.