:blob3: i was thinking of taking credit cards to help solve some of these people with making their payments, esp now that we are in feb. and when i call to see waht the problem is and the spouse blams the other for the bill getting misplaced. now i can tell them ill be happy to take their credit card on the spot. even thinking of having slow payer provide that info as like securitydep. my lawyer has writin up a small info sheet for the customer almost like a security deposit for a rental, stating that if they default on a payment there card will be charged. any input wopuld be great.