You are right.  It may be worth it to serve the client in an effort to convince them to pay.  I have found that since I became licensed to practice law, collections have been much easier.  A strongly worded letter on my law firm stationary has worked much better than I thought it would.  Since they know that I do not have to "hire an attorney" to enforce my rights, they seem much more willing to pay what they owe.  In one case, I even got an apology from the client along with the check.

It might be worth while to find a local attorney that will write a letter to your clients in default to let them know that you are serious about your collection efforts.

Best,
Robert A. Franco
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