Business Owners-

Yes you can if you have some kind of contract or sale agreement with them, you can go to the courts and get a judgement for the amount owed, and than file for garnishment once judgement is obtained

You can turn the nonpayment of a bill over to a collection agency.  Before hiring a collection agency, read and get a copy of the signed contract.  The collection agency will most likely handle reporting the uncollectable to a credit bureau as part of the service they are providing to you.

Blessings,

~ nmpb ~

Individuals can't report other people to the credit bureaus because Credit bureaus only accept entries from their paying clients. The best thing you do, go for a collecting agency and they’ll be the one to do any action. However, you’ll be paying fee in exchange for the service.
If not, you can take that person to the court. The bad record of that person will affects his/her credit score.
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Have you gone to Small Claims Court to get a judgement against the debtor? It's relatively easy to do, and will not allow either party to involve lawyers.  Bring complete documentation and witnesses to bolster your case.  Once you have a judgement in your favor and the waiting period for appeals has passed (30 days?), you can have the sheriff/lawyers legally seize the debtors assets to enforce your judgement.  Go to book stores, find small pamphlets from Nolo Press, etc., on the small claims process, or go onto the internet.  Good Luck.   

Any financially savvy person will be able to tell you that the only way to become truly financially independent is to have your money working for you while you are asleep. This boils down to investments that make you money whether you are around or not. This is why so many have decided to open a forex trading business.

The best advice for anyone that wants to start a forex trading business is to get an accurate understanding of the system first. This means reading about trends, strategies, pips, stops and all the other factors that affect the fluctuations in this type of market. Going in unprepared is a guarantee of failure. Find a trusted broker that will be able to guide you along the way or even do the investing on your behalf. This will cut into your profit in the beginning but is a great way to immediately have knowledge and experience on your side.

Foreign currency trading is one of the most viable options for a person to be using in this current economy. It is less volatile than the stock market and requires much less capital than real estate. If you are looking for a valid way to make your money work better for you than it is time to consider starting a forex trading business.