holidays full of nay sayers and late payers

[stevenf]

Every year around November people seem to have the hardest time paying there bill. Last year I had 3 people pay me an October invoice in January. This year I am sending out the third roll over invoice to several people who otherwise pay on time religiously. Slowest part of the year for me and also the time of year I have to put in the most effort to get paid. Anyone else have this problem?
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