there is a big difference between a customer who is late on payments (such as in the case you are describing) and one who is flat-out refusing to pay. it sound

there is a big difference between a customer who is late on payments (such as in the case you are describing) and one who is flat-out refusing to pay. it sounds like legal intimidation is the only way the original poster is going to get any money out of his former customer. debt collectors keep calling when you say you can't make the payment, but as soon as you tell them you are refusing to pay, they will stop calling and close the account because they know there is no way further harassment will get you to give in and pay up.