get the system right -- i mean to say make law and order right firs, make ocurts ready for faster decisions and then come to traning the recovery agents. if there are no recoveru agents and bansk keep sending notices to defaulters then the banks will have to shut down and stop lending. live example : global trust bank, united western bank....there are many public sector banks which are facing the problem of recovering loans..so get the law and order right and then train the banks.
