Snap-on payment plan

Anybody ever had a dealer just disappear?
I had a new guy start up and run for six months then poof he was gone. I owed him over 200 bucks and I never heard from him again. Nothing nota zip.
We have had tool trucks come and go, im sure they just give up and claim bankruptcy.
This last guy is great to deal with, cuts me deals and cones right to my home shop. Think i need a new ratchet. Need a gorilla proof one. Son shredded 2 long handled cheapies trying to loosen wheel nuts. 3/8 arent for wheel nuts.