Jado koi Debtor (jaise fees baaki wala student) paisa wapas nahi karda aur woh amount recover hone di ummeed nahi rehndi, usnu Bad Debts kehnde hain — ye ek Loss hai.
Kuch Debtors aise vi hunde hain jinda paisa milna "doubtful" hai — pura yakeen nahi ki milega ki nahi. Business ehtiyat wajo pehle hi ek estimated amount "Provision" de roop wich rakh leta hai.