This doesnt help the legal situation, John T has that pretty well covered. As to credit cards, it would be cheaper to keep a laptop computer around, one of those little 79 dollar refurbished notebooks, and take paypal only if they want to use a cc. It costs you a little more but a lot less than all this hassel. Thats the way I do for hay. Either that or do open accounts. For what the CC is costing I'd think it would be cheaper.
My open account system is net 30 days on the first of the month, interest at 1.75 percent per month on unpaid balances and balances over 90 days subject to collection. In the financing terms is a clause that if an account is collected through the courts that all reasonable costs of collections are added to the unpaid balance. No credit to first time customers.
So far, knock on wood, I've been stiffed on one, 100 dollar hay bill in 30 some years and one 1200 dollar judgement. I've got several that I had to carry on the books a while but they all eventually did pay. The 100 dollar bill the lady moved off with no forwarding. I kind of let it slide as she was a charity case anyway. The other one the guy died with a negative balance estate.
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