I am in business for myself for the 1st year and have managed to accrue over 80,000 in debt from "promising" clients. I have made calls, offers of payment plans, and even a few warrants in debt (which were granted, but I still have not seen any of the money yet- UGH!) I work VERY HARD ~90hrs+/week for a nonfinancially rewarding job. <> I don't want to take people to court, or report on their credit report, I just want to be paid for our veterinary service and fees rendered - Otherwise, I will quickly become bankrupt. <> Any recommendations?