Hi - this is my first post here....my hubby owns his own organic based lawn care company (called PureGreen) since 1991.... Anyhow, we are having trouble with our customers paying lately. I send them statements with our late charges (the regular invoices state that payments rec'd after the due date will incure an 18% apr finance charge) but certain customers (mainly the ones who live in half a million dollar houses....) who ignore the late statements (and our phone calls to remind them of the overdue invoices) and send in the original invoice (ignoring the late statement) and totally ignoring the finance charges. Or they send in the late statement and just never pay the finance charges. They must think that since we are a small company they could get away with it....but all other companies won't just wipe off the finance charges...what kind of letter can I send these ignorant people to remind them that the finance charges are their own fault for paying late???? Thanks so much!!!