What prevents you from revoking your payment mandate at your bank?
In Europe at least, your bank must honor this request and there’s nothing your debtor can do about except spending 1000’s to recover at most 3 months of payments with the current legal apparatus in Europe.
I remember the early 90’s when fiber connection was being developed in research centers.
Researchers had found a way to transmit all of a country’s phone calls’ bandwidth through a simple fiber cable. Then, they wondered: what could we use this for?
This was a few years before the explosion of the internet…