Saving Grace

Due Process

Collecting overdue accounts can be a nightmare, especially if customers know you lack clout. Many homebased business owners have discovered that, when it comes to dunning deadbeats, there's strength in numbers.

The National Association for the Self-Employed (NASE) offers members a number of collection options to get customers to pay up, including special discounts on collection services from financial giant Dun & Bradstreet (D&B). For $17, members can get a packet of boilerplate collection letters on D&B letterhead, which tend to get delinquent customers' attention. If that fails to motivate them, NASE also provides discounts on professional collection services from National Credit Systems (NCS)--$20 per delinquent account, with a five-account minimum. NCS contacts delinquent customers up to five times and will assign an attorney to the account, if necessary.

NASE also offers members discounts on other D&B services, including obtaining credit histories on customers and prospects. For additional information, contact NASE at (800) 232-NASE, or visit its Web site at

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