going over the recievables from october, i see i have one not paid. you see, the bills for the month of october, are do in my mailbox, by november 1st. he's 9 days late so i call on his machine:" hi mr. x, it's bob here, i was just going over my recievables and noticed you're overdue. if you can take care of that asap, i'd apreciate it." 2 hrs later, there's a knock on my door. it's him! cash in hand, apologizing, begging my forgiveness. now that is how you do it! thank you, have a nice day.