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Actual for You - When Clients Don't Pay - Tips For Freelance Writers & Editors
Loan officers are employees of various mortgage companies who generate business by finding potential customers. They are required to follow up with interested parties and convert them into customers. They are responsible for procuring qualified leads that have the best chance of conversion. There are many companies in the market that specialize in generating and then selling these lists to insuran
Basics Lenders look at very basic factors about you, including:Credit scoreYour incomeTotal debt obligationsYour Credit Your credit score is a basic measure that lenders will use. Mortgage lenders will usually require different minimum credit scores for different kinds of loans. The credit criterion a lender will use for 100% financing will likely be more
Freelance writers and editors have it hard when it comes to collecting payment from clients. Unfortunately, there are far too many people out there who don't mind taking advantage of a meek service provider to get some free articles or editing. Since you probably don't have an attorney on retainer, you must seek alternative methods for collecting payment.
Send a Snail Mail Letter Once several weeks have passed without payment, you'll need to give up the e-mail. It's not professional enough and it doesn't send a strong enough message. Instead, type out a snail mail letter under your letterhead and send it my registered mail. Remind your client of the amount that is owed and explain the consequences for non-payment as per your contract.
Make the Phone Call Sometimes, snail mail letters aren't enough and you'll need to get your client on the phone. My advice is to call from someone else's number just in case your client is screening. Once you have him or her on the phone, it will be far more difficult to pull the, "It's in the mail" line. Explain that you understand if he's forgotten, but that you do need the payment immediately.
Hire an Attorney If your client doesn't pay after a letter and a phone call, it's time to break out the big guns. This isn't a situation in which you should just "cut your losses"; failing to pay a debt is serious business, and you deserve to be compensated for your work. Hire an attorney to write a strongly-worded letter to your client informing him of his obligation to pay you. Often,
As reported from the New Scientist, a team of researchers from IBM, and Cornell University developed a new algorithm for detecting spam in emails, called SMTP Path Analysis. The algorithm works by examining the path information (probably by looking at the Received headers), and detects patterns that are likely to be the route of a spammer. "...the algorithm is not meticulous enough to efficiently
Send a Snail Mail Letter Once several weeks have passed without payment, you'll need to give up the e-mail. It's not professional enough and it doesn't send a strong enough message. Instead, type out a snail mail letter under your letterhead and send it my registered mail. Remind your client of the amount that is owed and explain the consequences for non-payment as per your contract.
Make the Phone Call Sometimes, snail mail letters aren't enough and you'll need to get your client on the phone. My advice is to call from someone else's number just in case your client is screening. Once you have him or her on the phone, it will be far more difficult to pull the, "It's in the mail" line. Explain that you understand if he's forgotten, but that you do need the payment immediately.
Hire an Attorney If your client doesn't pay after a letter and a phone call, it's time to break out the big guns. This isn't a situation in which you should just "cut your losses"; failing to pay a debt is serious business, and you deserve to be compensated for your work. Hire an attorney to write a strongly-worded letter to your client informing him of his obligation to pay you. Often
I have a client whose direct mail fundraising program is in trouble. I think you can profit from his predicament. I know he is going to.The development officers at his non-profit organization are doing plenty of things right. They attract new supporters by mailing donor acquisition packages a couple of times a year. They solicit gifts from their existing donors many times a year. They thank
Make the Phone Call Sometimes, snail mail letters aren't enough and you'll need to get your client on the phone. My advice is to call from someone else's number just in case your client is screening. Once you have him or her on the phone, it will be far more difficult to pull the, "It's in the mail" line. Explain that you understand if he's forgotten, but that you do need the payment immediately.
Hire an Attorney If your client doesn't pay after a letter and a phone call, it's time to break out the big guns. This isn't a situation in which you should just "cut your losses"; failing to pay a debt is serious business, and you deserve to be compensated for your work. Hire an attorney to write a strongly-worded letter to your client informing him of his obligation to pay you. Often
Be careful when buying rental property. We stayed at a motel for a week one winter. The bill showed twice what it should have, but since I already paid the correct amount in cash, I thought nothing of it. When we noticed that the lobby and swimming pool were unheated, we thought it was frugality. Only a year later, when I read a news story about a new owner struggling to make the motel work, did I
Hire an Attorney If your client doesn't pay after a letter and a phone call, it's time to break out the big guns. This isn't a situation in which you should just "cut your losses"; failing to pay a debt is serious business, and you deserve to be compensated for your work. Hire an attorney to write a strongly-worded letter to your client informing him of his obligation to pay you. Often
There are over seven million on people that are un-insured in the state of California. Most of them have been declined by multiple insurance companies and gave up on their search in finding health insurance. It seems like it is unfair system if you do not know what is available to you. I you have been declined by one insurance company in the state of California the chances are you will get decline
Publish Your Client's Work Regardless of the writing or editing you performed for your client, you need to publish it until he pays. As long as you've published the work, you technically own the copyright. I don't mean you need to have it printed in a book; just put it up on your website with a copyright notice underneath.
Learn For Next Time If you still haven't been paid, you have a few choices. The first is to take your client to small claims court, which may or may not be worth your time. You certainly need to report him to the BBB and the Federal Trade Commission, but you might be better off playing smarter next time. Make sure that your contract has consequences for non-payment (such as late fees or interest).
Sometimes you have to make a difficult decision regarding non-payment by clients. For example, I'd be far more likely to take a client to court over a $5,000 deficit than I would over a $200 bill. You also have to consider the financial resources of your client; just because you are awarded a judgment in a civil court case doesn't mean you'll be able to collect. If the client doesn't have any money, you're pretty much out of luck.
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