Robert, don't want to be a downer on this one since I usually love your ingenuity, but you need to be careful.  If your stamp IS visible AND his client DID see it, he may have a case for libel, since TECHNICALLY you have notified other people that he is a deadbeat.  Now, the fact that he OWNED the money and WAS past due is the defense to libel, but you only get to put on the defense if you get sued and that will cost money.  Since you are the creditor, you don't have to comply with the Fair Debt Collection Practices Act, only collection agencies have to do that, but that's why the Act is there.  Under the Act, third party collectors (which you are not in this case) can't even have anything on the envelope indicating they are collecting a bad debt because then the mailman will know you're a deadbeat.  Since he IS past due and you AREN'T a third party collector, you win, but it would be an expensive win.

 

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