Commodity trading charts – This was the arrangement in the case of the defaulted painting buyer.

Court costs may be added, but these generally do not come to much. But be sure your lawyer understands the importance of a defaulted credit and that he must act within a week. Too many law firms are not accustomed to handling defaults and study the matter for weeks while the debtor becomes more and more delinquent or skips town, as in the case of the mobile home wholesaler. One banker gave me the following opinion on delinquent debtors: If he is two days late and you ask for payment he realizes that he was wrong and pays up. If you wait two weeks he feels he has some grounds for the delay in payment, and if you wait a month before taking action he feels he no longer owes you anything. It comes to mind that the scenario writers for the television and radio shows who tell the sad story of the poor borrower who was scalped and persecuted by the “loan sharks” never lent any money themselves and then tried to get it back.

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