When there is non-payment of the installment or obligation on its due date then it is mainly an indication that account is one of the potential problem accounts. Once there has been identification of the problem account, credit man short visit usual place of business or residence of the debtor. This is to be done in order to get first hand information for such problem. Credit man should discuss the problem of debtor and try to find cause of such delinquency. Along with identification of the cause of the problem, he should be able to find naturally double solution against such problem. While determining magnitude of problem credit man should consider some important points. These points mainly include collateral of bank or firm for security position, availability of debtor fund, extent of involvement of debtor with its other creditors and debtor's attitude towards the account.