There is a secret into collecting all your bad debts out there. You can do it your self and avoid losing certain percentage of your money to collections. Once the Company or Institution is a registered and legitimate business, depending on their net 30 or 45 days policy; you can get your delinquent customers fired up into chasing you with your checks ASAP one day after the net 30 or 45 days. With a minimal consultation fee, you can say bye to delinquent customers. Contact me at siddlo@comcast.net.