Efficient debt collection is essential for business stability and economic growth. Non-payment leads to account blockades, bankruptcies, reduced investments, and a lower credit rating for Croatia. AmCham stresses the importance of stronger regulation, raising awareness about the consequences of non-payment, and developing a secondary debt market. Key proposals include digitalization and automation of enforcement, stricter deadlines for court proceedings, establishing a debtor register, and adapting bankruptcy legislation. These measures would improve creditor and taxpayer protection, ensure liquidity, and strengthen the competitiveness of the Croatian economy.