I met with my lawyer on Monday and did the usual where do we stand what do we need to do for next year deal. This year I want to maximize my late fee charges but still be legal and lawful. So in Ohio unless you fill out a form and disclose your financial information to the public you can charge no more than 2% a month in late fees if you charge based on a percentage. If you charge a flat rate each month then you may determine how much with no regards to the law. Also to enforce this you must either do one of the following. Easy way is to put your terms of payment and late fee charges on every invoice including written estimates. Second which my lawyer suggested each time you obtain a new account hand them a form called a terms and conditions form. This will state you payment methods and fees that apply for pass due accounts. All you have to do is hand it out you don't even need a signature. He suggested that I do both. Small claims court only cost 20.00 to file a complaint against another person but it is still up to the individual to collect. The limit is 5,000.00 for small claims court. In Ohio if you want a person to pay for your lawyer in a court case then they must sign that terms and conditions form and you must state that if you have to go to court to collect money they are responsible for your legal teams cost. I know it is a lot but I wanted to share my info with those I can to help them out cause I pay my lawyer by the hour and he is expensive. He also stated non compete clauses are becoming harder and harder to enforce in court. Usually 2 years or less is considered reasonable plus their must be a form of payment or value to the person signing it. Such as employment or a monetary value because in an indirect way you are limiting a persons chances of making money.