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Malpractice in the Medical Collections Industry

The Webster’s dictionary definition of malpractice is a “dereliction of professional duty or a failure to exercise an ordinary degree of professional skill or learning by one rendering professional services — which results in injury, loss, or damage.” Within the last few years, the FDCPA and the CFPB have rallied together to establish newer laws protecting consumer rights and the interest of integrity in the field of collectionsOne of the many additions made through the CFPB was the launch of a system to accept and assess complaints made by consumers. The results after just months of submissions were staggering, opening a new window to aggressive tactics and negligence in the collections industry at the consumers cost.

Medical debt is among the most common types of debt for collection agencies, falling second to credit card debtAccording to a 2016 New York Times survey, medical debt affects roughly one in four U.S. adults, resulting in nearly 40% of debt collected in the industry. An interesting discovery regarding the results in complaints made to the CFPB is that “ten companies account for 20% of all medical debt collection complaints.” In the case of medical collections, the old saying “a few bad apples can spoil the whole bunch” surely holds more merit than assumed. As a method of taking action towards these “bad apples,” “as of February 2017, 139 debt collectors – including medical debt collectors – have been banned from further debt collection by the Federal Trade Commission.”

Diving further into the medical collection complaints received, abreakdown of these complaints shows 63% of issues recorded pertained to “alleged collection attempts for debt that was never owed, already paid, or never verified.” Furthermore, 37% of the issues recorded recognized “all other complaints, including allegations of aggressive and/or illegal behavior.” Amongst these complaints, several themes were found – mainly recognizing the validity of medical claims and the outcomes of clerical errors that can drastically effect the consumers credit report.

All too often the consumer’s rights are lost in the process of collections. At Cedar Financial, “Putting People First” is the landmark to the continuous success. Through the continued text, Compliance Manager, Syntheia Nagel and Collections Manager, Justin Franklin, provide noteworthy responses to how Cedar Financial copes with the ongoing themes found in medical collection complaints issued through U.S PIRG, Education Fund research.



v “Nearly two-thirds (63%) of complaints about medical debt collections assert either that the debt was never owed in the first place, it was already paid or discharged in bankruptcy, or it was not verified as the consumer’s debt.” (ES; 5)

 

 

What is the process Cedar Financial exercises to ensure our medical debt collection cases are verifiable? What is a common theme found in medical collection complaints?

Syntheia Nagel: Before responding to a dispute or request for verification, Cedar Financial will request proper validation of the claim from our client. This validation process provides us with the necessary information to show proof of debt to any consumer andauthenticates the claim for us to continue our collection efforts. If we cannot validate the debt with an accurate bill reflecting services rendered, we try to determine if we have contacted the right person. We have processes in place for both cases after we make that determination. Regarding medical debt, the most common dispute from the consumer is “I don’t owe this debt because it was covered by insurance.” What we want consumers to be aware of is that some medical costs are subject to an annual deductible, which is not covered by insurance. It is also important to note that Cedar Financial does not report medical debt on a consumer’s credit report.

v “Filing law suits against consumers whose debts are not verifiable or enforceable is a big recurring issue. In a case that the CFPB brought against two of the nation’s largest debt buying companies, an investigation found that the companies “filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when the consumer’s failed to defend themselves.” (MDC; 9)

 

How does Cedar Financial provide verification for valid legal assistance?

Justin Franklin: Any claim that we recommend for legal efforts will have all necessary documents attached to validate the claim. The attorney networks we work with will not accept or litigate claims without the proper validation documentation thereby ensuring no consumers are wrongfully defaulted in the court of law.

“A World Privacy Forum report from 2006 estimated that between 250,000 and 500,000 people are victims of medical identity theft each year.” (MDM; 20)

In the simplest terms, how does Cedar Financial deal with identity theft? What processes does Cedar Financial follow to ensure consumers are not impacted by invalid debts?

Syntheia Nagel: : ID Theft is a horrible crime. We have and follow our detailed procedures in cases on ID Theft. In Summary, if a consumer notifies us that they have been a victim of ID Theft we ask then to complete an ID Theft Affidavit. We notify the Client, and update the Credit Report. We read all account information provided by the Consumer and Client as part of our investigation. Actions are taken based on the results of our investigation

“A 2013 FTC (Federal Trade Commission) study reviewed reports for 1,001 consumers; in the study, one in four consumersidentified credit report errors, one in five had a credit report modified after disputing an error, and one in 20 had errors serious enough to be denied credit or were forced to pay more.” (MDM; 10)

How does Cedar Financial correct file errors? Is there a system in place to catch clerical mistakes?

Justin Franklin: At Cedar Financial, we have an around-the-clock quality control department that verifies all files after they have been entered. This system is vital for ensuring mistakes like the ones listed above are caught far before anything negative can affect the consumer.

“In many cases, consumers may be pursued for debts they do no owe, simply because a payment was incorrectly entered into a billing system, an insurance company glitch delayed payment to the provider, or a name was misspelled when debt was sold to a debt buyer.” (Intro; 7)

How does Cedar Financial correct these types of “out-of-office” errors? What is the estimated time of resolution?

Justin Franklin: We ask for proof of payment. If our request for proof of payment is refused, we ask for details of when/how the payment was made. If that is refused – we still ask the client to review their file to determine if there was a clerical error on their end. During this process of determining the validity of any dispute the files are put on hold; ensuring the consumer is not negatively affected by error.

Source: U.S. PIRG Education Fund – Frontier Group; Weissman, Gideon; “Medical Debt Malpractice” Spring 2017

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Using a Licensed Collection Agency in the U.S is Imperative

 

Using a Licensed Collection Agency in the U.S. Is Imperative
By Amir Erez

All over the world, the collection industry of each country is wide and various. In some countries, collection regulations towards consumer and commercial collections are very stringent and individuals working in the industry must attain certain professional qualifications. In other countries, collection activities may only be regulated very lightly or not at all, which can allow individuals to perform collections in ways that are considered unethical.

A Snapshot of the U.S. Collection Industry
The U.S. collection industry has over a 150 year history and during this time it has evolved and become very sophisticated on many levels. There are thousands of collection agencies and attorneys nationwide that handle commercial or consumer claims, with specializations in insurance subrogation, health care, education, and many other areas. Throughout the decades, especially over the past forty years, the U.S. collection industry has become much more regulated, not only by governmental authorities, but also by industry trade associations, which have established strict codes of conduct and several legal, banking, and auditing requirements to be fulfilled by its members.

What Laws Govern the U.S. Collection Industry?

At the national level, in brief, all consumer collection providers fall under the authority of the Federal Trade Commission, which in broad terms protects consumers and businesses by monitoring, regulating and stopping unfair, deceptive or fraudulent practices in the marketplace. Subsequently, the Fair Debt Collections Practices Act spells out in detail all of the regulations to which collection providers must adhere in order to execute collection activities legally and ethically. In addition, the Consumer Financial Protection Bureau, which was established subsequent to the 2008 economic meltdown, regulates the financial and non-financial institution products and services sold in order not to mislead or defraud consumers.

At the state level, throughout almost the entire U.S., states require a collection provider performing collection activities within that state to be licensed according to its professional licensing regulations. These regulations are in turn enforced by the state’s attorney general. A license, issued by the state government, represents the minimum compliance, training, and adherence to what has been declared to be professional and legal collection activities. It further indicates that a collection provider maintains the financial capacity to operate and remit the collected funds to its clients.

What Does It Take to Become a Licensed Agency in ALL 50 states?
As part of the the licensing process, depending upon the state, the collection provider may have to:

  • undergo an annual audit of its books, records, and collection procedures
  • produce certified documents attesting to its trust bank account information
  • create a compliance manual, maintain a compliance director and/or compliance department
  • implement training programs to keep their collectors and managers abreast of proper collection techniques and collection regulations

The U.S. does not have a centralized licensing system which allows collection providers to be easily licensed nationwide. For example, if a collection agency domiciled, registered, and licensed in Illinois were to receive a claim from a creditor against a debtor in California, the Illinois agency would also have to be licensed to perform collections in California.

For many collection providers, becoming licensed in several or all states is far from an easy process. Every state has its own unique licensing requirements and regulatory authorities that one has to go through and apply to in order to obtain a license. The more states in which a collection provider becomes licensed, the more costly and complicated it becomes to maintain the licensed status. This requires not only having the financial resources to apply for all the renewal licenses, but often necessitates installing a compliance officer to keep track of the ever changing state (and even federal) requirements.

The Risk of Working with an Unlicensed Agency

When an agency asserts they are licensed in every state and can easily show this, it represents a superior effort on their part to provide a legal and secure framework to domestic and overseas clients and agencies that use them respectively.
However, due to the financial burden and complexity to become licensed in each state, where a provider is requested to provide their collection services, many providers may often try to circumvent this hurdle by forwarding the claim on to another agency that is licensed in the target state.

When this happens it still does not remove the lack of a licensing component within the collection and commission flow.

After the forwarding agency receives the collected funds from the onsite agency, it takes its commission share prior to sending them on to the credit grantor. If the on-site agency performed its collection activities in an unethical manner, this may negatively affect the integrity of the entire collection process and can result in suits, judgments, and hefty fines against all the parties, including the credit grantor.

Just the fact that a collection agency is not properly licensed should be the first and last reason why they should not be used. Always remember that your collection partner represents your company, and their legal problems could draw you into a quagmire that at a minimum, negatively impacts your company’s reputation.

In addition to being licensed to perform collections within a given state, it’s also imperative for the credit grantor to confirm if the collection provider is bonded. Being bonded is assurance to the credit grantor that in the event the collection provider fails to remit collected funds, the insurance company issuing the bond will step in and pay the un-remitted funds to the credit grantor.

You’re Entitled to Complete Assurance

Just like you would expect your doctor, attorney, or accountant to be licensed, you should always make sure that your collection partner, whether for consumer or commercial claims, is legal, licensed, bonded, and operating within a professional framework that gives you complete assurance when entrusting them with your collection needs.

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Debt Collection in Saudi Arabia

Kingdom of Saudi Arabia- The third largest country in Asia. The paramount body of law in the Kingdom of Saudi Arabia is the Sharia.

Saudi Arabia has an oil-based economy with strong government controls over major economic activities. While Saudi Arabia does not have complex transfer pricing rules like other jurisdictions, transactions between related parties must be concluded on the basis that the parties are independent.

Nevertheless, under the law of the Hanbali school, the overriding principle contained in the maxim “The Contract is the Law of the Parties” (Al Aqd Shari’at Al Muta’aqdin) has become accepted, which means that in general, the parties to a contract are free to agree to the terms of their choosing, provided that these terms are not at odds with established Islamic Law principles. The most important of these principles are:

  • Interest
  • Contractual Certainty
  • Late payment interest

The very notion of interest is contrary to Islamic law (Sharia). Therefore, interest for late payment is simply prohibited in Saudi Arabia and is not recoverable.

Unless otherwise agreed, legal and other costs relating to enforcement proceedings are generally not recoverable in Saudi Arabia. Such clauses need to be carefully drafted to be enforceable under Sharia law.

Saudi Arabia Debt CollectionIt is essential for Westerners doing business in the Kingdom to understand Saudi etiquette and the personal manner in which they conduct their business. Preparation and some basic knowledge of Saudi business culture can make the difference between a successful business deal and a failed negotiation.

It is important to note, however, that a majority of Saudi business executives and government officials have studied and/or worked abroad, many of them in the United States.

They are therefore familiar with the Western culture and are comfortable with its differing approach to business. Doing business in Saudi Arabia is somewhat more challenging than other GCC countries as law and order and deal binds are very strictly monitored.

Debt collection in Saudi Arabia happens to be a very sensitive matter as earlier there was no concept of professional debt collection in Saudi Arabia. Unlike other debt collection services in Saudi Arabia, we employ a number of different divisions that connect people to the right debt collection service in the country.

In addition, our network of collection agencies allows us to cater to larger businesses. Saudi Arabia has some of the best debt recovery laws and the legal system is very swift. KSA is a part of G.C.C which was established in view of the special relations between the gulf peninsulas, their similar political systems based on Islamic beliefs, joint destiny and common objectives.

Saudi Arabia Debt Collection Agency

In KSA, carefully orchestrated pre-legal collection efforts are the key, as the sooner we act, the more the chances of a favorable outcome. The Saudi Arabian courts and judicial tribunals, including the Board of Grievances, do not award interest in any manner or form.

However, interest provisions in an agreement are sever-able, and a contract will not, therefore, be ruled invalid solely because it includes interest related provisions. Interest-related transactions are not, therefore, illegal in Saudi Arabia. In essence, for a contractual obligation to be enforceable in Saudi Arabia, it must be clearly defined.

There is no statutory law, Sharia law or time limit for bringing commercial claims in Saudi Arabia. Saudi Arabian law is silent on the issue of parties contractually agreeing to set time limits.

Why choose Cedar:

  • Amicable pre-legal negotiation
  • Language barrier covered with highly professional and Arabic speaking staff
  • Legal action
  • Insolvency
  • Reciprocal agreements against judgments

Our team of professionals is specialized in the field of Labor cases, Contract, Agreements, Debt Collection, Reconciliation, Commercial Litigation and Intellectual Property services. Cedar Financial offers on-the-ground representatives who understand the debt Contract law and Legal system of Saudi Arabia and practice to ensure successful recovery of your money. Our services cover debt recovery through Courts and we ensure an efficient and quick enforcement of any Court Judgment and Order which includes preparation of claims for court procedure, filing of a claim, preparation of necessary documentation and representation of the client in enforcement proceedings.

  • We can work on consumer (bank) accounts on a contingency basis.  Our pre-legal debt collection services are at no win no fee basis.
  • We only need the basic information; Name, address and a contact number, i.e. e-mail/fax/telephone etc.
  • We can work on a letter service, whether on a fee per account or on an agreed rate.
  • We can litigate: filing a case in KSA requires a notarized Power of Attorney from the client.  The required attorney fees and costs differ from case to case, depending on a number of variables, such as the amount of the claim, the agreement between the parties and the relevant court fee.  All cases are monitored for Conflict of Interest after a study and review of the file.
  • A travel ban can be transferred or implemented in KSA but the conditions vary in each case.

Cedar Financial always plans to negotiate a favorable way-out. Debt collection efforts may be simplified when contracts include strict payment terms as well as conditions deemed applicable should a late payment occur. In countries where Sharia law applies, matters relating to interest and late fee should be handled very prudently.  Documents/contracts and all such bindings during business deals/loans need to be provided so that the law may be satisfied with ethical debt collection efforts. While working claims for various clients, our major role is to act local and think global and derive the middle ground to success.

Contact Us today and start recovering the funds you are owed, faster. OR contact us at 1-800-804-3353 or complete our Online Inquiry Form.

 

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What Happens to Student Loans When a Student Moves Outside the US?

Each year thousands of students apply for loan programs in order to finance their higher education.  Many students find themselves unable to pay their monthly payments after they leave school.

Whether they graduated with a degree or not, sometimes the monthly payments become too big of a burden to handle. Some students have feel that their only option to escape the looming debt is to travel overseas and look for job opportunities outside of the United States.

Foreign legal systems and customs make things extremely tough for creditors, when chasing their debtors. A CNN report has indicated that 2% to 4% of student loan debt is held by borrowers who have fled outside the US to escape the repayments.

Yet, relocating to another country doesn’t guarantee a debt free future. Here we have examined what exactly happens to student loan debt when a student moves outside the U.S.

Student Loan

Federal Student Loans

Student Loan Recovery Cedar FinancialIn the US, the vast majority of students are enrolled in federal government loan programs. A key reason these loans are most sought after is the extremely low interest rates in comparison to the private market.

Additionally, the government offers students some grace period, if they are having difficulty  repaying their debt. Along with numerous benefits, federal student loans have some draw backs too.

Unlike private student loan debt, federal debt does not have an expiry and it cannot be discharged easily. Above all, the government has more options to collect the debt that are simply not available to a large number of private creditors.

Interest On Loan

The interest on many of these student loans, while extremely low compared to traditional loans, can still be extremely burdensome. Many student struggle to make their monthly payments and feel that if they have to choose between paying their car payment or their student loan payment, they are less repercussions to forgo the loan payment.

Although the interest is low, it is still accumulating. If the student is making the minimum payments, as many choose to do, they will be paying on their student loans many, many years after they have moved on from the school.

This interest is legal and will follow the students to the country they have relocated to. It is important for the student to understand that being in Collections is not shameful. Cedar Financial prides itself on the ability to build trust with the student and developing a relationship with the student as the extension of the University.

International Debt Collectors

Student Loan Recovery Cedar FinancialUndoubtedly, relocation of a student makes it extremely tough for creditors to recover their lost monies, since they have to bear more expenses to track the borrower.

Whilst, unfamiliar legal system and customs makes the process of collection from an overseas student even more complicated. Consequently, many  creditors have been forced to take substantial loss when they are not able to locate the student.

There are few collections agencies that can provide a global reach. Cedar Financial is one of the finest international debt collection agency which has developed, for more than 25 years, a system of agencies across the world that can assist in reaching any student, no matter their location or circumstance.

Aligning ourselves with some of the top agencies in the world, have given our clients the ability to reach their students and reopen the discussion about resolving their government debt.

Coming Back To United States

International Student Loan Cedar FinancialStudent loans cannot be discharged to bankruptcy. Early intervention is key to when discussing repayment options. The more time that passes, the harder it is to convince the student that this debt can be resolved in an amicable matter and that time will not save them.

Many students that relocate internationally do have plans to return to the U.S. at some point and therefore need to be conscious of their credit score when they return.

Cedar Financial is one of the best student loan collection agencies provides Universities the ability to reach students without the task of tracing them across the globe. We have a trusted network of agencies that are able to provide the most knowledgeable solutions in any given country.

We at Cedar act as an extension of the University, and our affiliated agencies understand the integrity required to be successful in the collection of student loans.

 

Other Options

Student loans, generally, have very low repayment plans available. Furthermore, if any student experiences hardship, they are able to apply for a deferment or reduced repayment plan.

The biggest mistake that students make is simply to not pay. The sooner the student is able to make their payment a priority, the sooner they will be able to understand the value in preserving their credit, wherever they may be in the world.

Contact Us today and start collecting student loan today, faster. OR contact us at 1-800-804-3353 or complete our Online Inquiry Form.

 

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The World Of Collections

 

 

Cedar Financial was founded in 1991 with the goal to build an agency focused on international collections

Cedar AmirAmir Erez was in law school in California when he realized that becoming a lawyer wasn’t the career path for him. He worked at a small collection agency after earning his undergraduate degree in finance and international business at California State University, Northridge.

That experience opened his eyes to how much help small businesses needed to recoup unpaid debts. He set his sights on founding a collection agency with a focus on international debt collections because of his roots in Israel and experiences traveling the world.

As a member of ACA International, Erez met other professionals in the industry who specialized in international collections. He also traveled to Brazil for an industry conference, and said that experience helped him better understand collections from a global perspective.

Cedar Financial, headquartered in Calabasas, California, evolved into a collection agency with a focus on international collections in 2006 when it partnered with TCM Group.

While Cedar Financial works accounts for domestic government and healthcare clients, its partnership with TCM Group also allows it to collect on international debts, thanks to TCM Group’s global network of collection agencies.

 

“The way that we present this differently to the marketplace is the accounts really are worked from the local perspective, not the U.S” Erez said.

There are differences in technology and collection laws in all the countries Cedar Financial has accounts in, making the partnership with TCM Group incredibly valuable.

Erez said there are fewer constraints on collections in countries with developing economies, but there is still a legal system in place and compliance is important around the world. Erez said that the U.S. has stricter laws than many other countries. And while technology may not be as advanced in some areas as it is in developed nations, it is still a consistent presence in collections.

“Technology has a lot to do with our industry, and technology doesn’t have borders” Erez said.

He added that the best way to assess and understand collection practices in each country is to have the correct partners.

Cedar Financial

Additionally, collectors at Cedar Financial in the U.S. who do not work on international accounts are still trained on some aspects of international collections on an ongoing basis. This includes information on currency exchanges, different laws and cultures of countries where Cedar Financiars partners are located.

 

“Our business is modeled on both importing and exporting cross-border debt recovery claims” Erez said.

Today, Cedar Financial is focused on expanding into different collection verticals and opportunities. As the agency continues to partner with companies around the world, it remains focused on its employees too.

 

“We really want to invest in the people we have here because it’s a long-term thing for us” Erez said.

Contact Us today and start recovering the funds you are owed, faster. OR contact us at 1-800-804-3353 or complete our Online Inquiry Form.

 

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4 Key Reasons Why Collectors Prefer to Deal With Educated Debtors

Managing debt is an art and skill and many Americans are still fearful and inept in handling it. Many average Americans fear that dreadful phone call from a debt collector and don’t fully grasp the seriousness of the matter. Complaints registered against debt collectors have seen an all time high in 2011, according to a Federal Trade Commission report.

Stories of international debt collection scams and pursuing the grieving parents of a young lad for debt or other people, who do not even owe any money, further escalated the situation. However, it doesn’t mean at all that the collectors are getting more abusive, meaner or excessively violating the laws laid out in the Fair Debt Collection Practices Act.

A close examination of the situation revealed that it’s the lack of understand the situation which further complicates the matter. A debt collector is there to help solve a problem and not further escalate the situation as that is in nobody’s best interest.

Cedar Financial FDCPA

Below we have listed 4 key reasons why debt collectors prefer to deal with educated debtors instead of illiterate borrowers.

Always Act in Response

One of the most common pieces of advise borrowers will always get from a debt collector is never ignore their calls. Collectors believe ignoring their calls or letters is the worst thing a consumer can do, since it leaves no choice for collection agencies, but to take a quick legal action. It means customers will get more calls and letters from the agency. Educated borrowers  always make an effort to stay in touch with collectors either by calling them up or sending an email/letter in response to a voice mail or message. Experts believe customers who don’t try to run or hide from collectors are likely to settle their past due accounts quicker. It also helps the communication process and resolve any disputes or questions that arise in a timely fashion.

Never Shut The Doors

Cedar Financial FDCAMajority of the debtors deem that either they have to pay off the entire debt or nothing at all. Such a belief often proves a costly mistake for borrowers. Since the key aim of collectors is amicably and tactfully compel customers to pay something, even in the form of small installments. It is only possible when the debtors keep all the communication doors open. Educated borrowers are well aware of this fact that collectors use payment plans as tool and taking legal action or possession of your assets is not their priority. Additionally, they know that collectors develop a payment plan only after discussing their finances, which enable them to set their budget and get them in better financial shape. It is why today leading international collection agencies like Cedar Financial prefer to call themselves your financial consultants rather than just collection managers.

 

Work Out a Deal

Unlike uneducated borrowers, literate debtors have the tendency to surprise collectors. Many collectors usually expect a negative response from the debtors when they are trying to negotiate a deal. However, by keeping the communication doors open, educated debtors not only surprises the collectors, but also create room for themselves to work out a deal. Given that once the collector realizes a debtor is flexible and receptive to payment plans and terms, it is highly likely that they reach an agreement with the consumer. In contrast, illiterate borrowers fail to recognize this opportunity and end up further deteriorating their case.

Never Get Emotional

No matter, how many debt collectors you may speak with, one advice that every collector may give to consumers is never ever get emotional about a debt collection issue. Smart borrowers know that if they keep their cool, they’ll be in a better position to deal with the collector. The collector is here to help resolve the issue and not create additional problems. Be honest and don’t let the situation get to you. A professional collector will be there to work with you on resolving the matter together.

Contact Us today and start recovering the funds you are owed, faster. OR contact us at 1-800-804-3353 or complete our Online Inquiry Form.

 

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How Late Payment Affects Your Business?

When your total cash flows in and out of the business without any disruption, it means you have a healthy cash flow. Cash flow therefore is the first thing your potential business partners may look to see, because it gives them true picture of your financial situation. Above all, it unveils how well you have maintained the cash.

Any inconsistency in the cash flow cycle will not only make them wary, but can hurt your future business deals. Slow or late payment halts your cash flow cycle and prevents you from clearing the bills on time.

As a result, business begins to suffer, because three things happen when a corporation fails to pay its bills on time.

(i) Put You Under Debt

When your customers stop paying you, then the first option that may come to your mind to clear the stack of bills could be to get a loan. Certainly loan will help you maintain the positive image in front of the suppliers and keep things running smoothly.

But taking out loans with an intention to pay them back when your customer clears your dues is not a good idea.

Cedar Payment

It will further increase your debt as your customer has already declined to pay you. The best option for you is to use any savings or spare money rather than getting a loan. It’s always good to save some money when the business is running smoothly because you never know when things may go wrong.

(ii) Put You on the Negative List

Late payment has become such a graving issue today that businesses are becoming more and more cautious when it comes to doing trade. Suppliers do not hesitate to cut ties with businesses that are slow or late payers. As they are afraid that such businesses are more plausible to become insolvent.

Cedar Financial Google Plus

Monitoring payment behavior therefore has become an essential practice for suppliers. So if you are a slow or late payer, it is highly likely that your suppliers won’t mind losing you rather than keeping you as a customer to disrupt their cash flow and business repute.

(iii) Affect Your Credit Score and Spoil Business Opportunities

Cedar Payment DueLate bill payment can severely hurt your credit score, as credit report always take in your account payment behavior when evaluating the credit score. You can also see a significant drop in your score, if you are frequently paid late because there will be a decline in your cash coming in.

Your credit score can decline further, if a CCJ is issued against you for not paying bills over a long period of time. But the worst thing of all is low credit score can spoil all the business opportunities that may come your way.

Businesses which conducts due diligence by the book will never be pleased if your payment behavior and credit score are poor.

 

Late payment is not just a dangerous credit habit, but it can badly hurt a business too, such as ignoring an account till it becomes insolvent or delinquent. Once an account becomes delinquent it means you have to dedicate extra time, money and effort to recover the lost monies.

However, this takes your focus away from your business, which will further increase your stress. To avoid such a situation, you must never do business with a company that is slow or late payer.

But it’s never easy to distinguish companies that are slow or late payers, so it’s best to acquire the services of a specialized collection agency such as Cedar Financial. So you can assign delinquent accounts to the agency instead of wasting your valuable time and money. It will significantly enhance your chances to recover the lost monies.

Contact Us today and start recovering the funds you are owed, faster. OR contact us at 1-800-804-3353 or complete our Online Inquiry Form.

 

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