By the time the debt collectors are called in (3 or more months overdue), the chances are already more that the money would never be paid. These people have a

By the time the debt collectors are called in (3 or more months overdue), the chances are already more that the money would never be paid. These people have a bad reputation, but debtors too are reneging on a contract. It's terrible to be a business owner (not just credit-related) and to have one of your customers stiff you on a bill.