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it’s very hard to understand how people can do that, but there seems to be an overflow of people who can- don’t pay rent, don’t pay debts. I think when people are going through hard times, they look at the ‘landowner’,’lender/storekeeper’ as people who they don’t have to hurry and pay, since they see them as the ‘rich’ and themselves as the ‘poor’. And with the strain of rent expenses, taxes, and carrying debt, it is really far from the truth. I know this is not advice, you have already gotten that, and unfortunately it’s very not pretty to have to be rodaif a person who owes you money. You can definitely go the din torah route, it is so unpleasant, but sometimes there’s no choice. Don’t feel guilty-you are not the ’cause’. The only other thing that i can offer is the time old pasuk from Dovid Hamelech, Elokim amar lo kallel, Hashem sent you this aggravation, and Hashem is the one who will provide you with every penny you are supposed to have. May you see much blessing in everything.