The main problems are however fires, theft and different perils and this are real thing that your insurance policy should really take care of. Don’t include land value when you decide on you insurance. This is best advice you can receive.

Another great tip that deserve taken into consideration is that if you are a loyal customer to an insurance company after several years you can receive some special consideration. You may receive premiums as high as 5-10% if you are truly a good customer.

If you would like a free sample letter to use, please email me at michelle@michelledunn.com with B & T past due letter in subject line.

Once they have received package, email or call them. Ask them what they are doing with invoices. Ask them questions such as:

Do they have to be approved by someone else? If they have to be approved, who has to approve them and when will they give them to that person? Get that person’s direct number if possible. Find out if that person signs checks. Are there any discrepancies with invoices? When will check be cut? When can you call back for check number?

Once all past due balances are cleared up, you need to think about future invoices. Do you want to extend credit again or do you want to have pre-payment or payment at time of order. Whatever you decide put it in writing. If you can both sign agreement, that is even better. Remember, having a credit policy in place tells people you mean business.