I've been so lucky this year with receiving payments on time. Only had one late pay, who once I brought it to his attention paid that month and two in advance. Now, I've got a customer in a high scale neighborhood who I've let get two months behind and still providing service ( I know it was stupid on my part but they've always been good customers) I've been chasing my money for a month and keep getting "he said, she said" stories. The other night I go by and tell 'em I have to have a check tonight. They give me a personal check (instead of on-line checking). I go to BofA to cash it and it's no good. These people live in a $1,000,000 home, just bought a new Hummer, have new Mercedes, a Denali and a Range Rover. They must have excellent credit for the time being anyway! I went ahead and deposited the check in my account so it'll be a criminal matter instead of civil now. Oh well, more toys = less money I guess. Live and learn.