They of course can, and through small claims it's monetarily inexpensive, but it's both time and effort, and for more than small claims will handle, it's expens

They of course can, and through small claims it's monetarily inexpensive, but it's both time and effort, and for more than small claims will handle, it's expensive. Some businesses won't show up personally at small claims and will get counsel involved, which is expensive. Depending on the debt, getting most of the difference between the legal expenses and the debt itself is in reach, given a creditor who is a rational actor.