“Except in any of the cases mentioned in section three of the principal Act, or where the debt was incurred by fraud, no order of committal to prison for non-payment of a judgment debt, or of any instalment thereof, shall be made if the debtor proves to the satisfaction of the Court that, after providing for the reasonable maintenance of himself and his family, he has not since the date of the judgment had sufficient money to pay the debt, or that he has not since the date of any order to pay the debt by instalments had sufficient money to pay any such instalment:

“Provided that no such order of committal shall be made where the judgment creditor is a person, firm, or company whose business is that of collecting or recovering debts, unless the Court is satisfied that the judgment debt was incurred to the judgment creditor directly, and was not acquired by assignment from the original creditor.”