The practitioner should take a clean white piece of paper and write down the name of his debtor on the paper with red colored ink. Then five Clove Sticks [Laung in Hindi] and five Petals of Garlic [Lasoon in Hindi] have to be wrapped in the same white paper with the side on which the name of the debtor has been written facing inwards.
Finally, while going to meet the debtor to recover the loaned money, the practitioner has to keep the wrapped paper packet in his pocket. This packet can be later on be immersed in water after recovering the money.
This money recovery Totka is a variation of another simple remedy for success, which was published some time earlier. That article can be found - Here. Another variation of the same remedy can be seen in the post - Here.
Laypersons and those do not understand Hindu Tantric rites can also practice this simple remedy for recovering money.