I just read the other posts concerning bad debt and collecting. My question is this, how do you turn something in to a collection agency. 1. Do you have to sign up with them and pay a fee? 2. Do you have to do x # of $$$$$'s a year to qualify? 3. Do you just call them. I don't know anything about them from this side of the business but it may be time to "get to know one"! I myself have some vvvvveeeerrrrrryyyyy sloooooooooooowwwwwww payers, some of which I don't think have any intentions of paying at all. Looks like a good tool!