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@HeatherSmithAU
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Adam,

Thanks – yes that is the zone I am in.

I normally have no problems whatsoever & was not looking for advice on how to avoid bad debts.

This was an urgent request of a business acquaintance that I have known for a long time – so not all the i’s were dotted – what makes it even worse is that I see her in her Prada’s & Chanel at the local coffee house.

I would appreciate firsthand experience from someone who has gone down the route of using debt collectors.

Thanks – but no more lectures please! I am sure there is a place for them – but I was not really looking for one here.