I honestly don't have that much problem with late payers. Like I said, it's not too hard to weed them out. I never let people get that far behind in paying before I cut off service. I think that in the last 2 years, I've had to cut maybe 3 people for nonpayment. And one of those I ended up getting all my money from anyway. You just have to be vigilent. That seems like a huge expense of time and effort with that questionaire. Even people who demonstrate assets aren't necessarily going to pay on time. And like I said, many people will just not bother and go with an LCO that doesn't require all that personal information. I certainly wouldn't provide it. That 50% number seems really high. On average, I have 90% of my money back in 15 days, the other 10% back by the end of the month. If people are not paying on time that much, you need to provide incentives to pay quicker. Late fees, requiring deposits for frequent late pays, suspending service, etc. As long as they think they can get away with it, they will. And that 10% discount isn't really that steep. When you figure that I get the most of the money at least 6 months in advance for me to sit on, and I don't have to bother with billing every month those that prepay. I've decreased my time spent billing by half since I started, and decreased the money I spend on sending out bills. Not to mention, I don't lose money due to dry weather. Although the season is usually 26 weeks, invariably there will be dry times that I don't do mowing for customers, and wouldn't be able to charge them. This way I get to charge them for all 26 weeks whether I mow or not. Besides which, it's nice to get a big hunk of money upfront before the season even starts, and it sure feels good to have that $10,000 sitting in the bank.