Your welcome.<p>$150 on an average invoice of $5k isn&#x27;t nearly enough. My penalty is 10%. Yea that is insane if you do an APR but I don&#x27;t treat it as that, it is a one time penalty. Also, I usually set a minimum of say $100.<p>On #3. You have only one option if someone doesn&#x27;t pay you. Stop the service. It is kind of like if you don&#x27;t pay your cable bill, they only have one option really, stop giving you service. Sure they can send you to collections but the only real punishment is removing your access. Same for you.<p>I totally understand that being a hard concept as you probably are a good person and want to see the good in people. But people will take advantage of that until you draw a line and prevent it. It sucks but it is just how some people work and have to be handled.<p>Here is the plus. If you setup your marketing correctly and target the correct clients etc then this becomes a small percentage of the people you deal with. And honestly the people who routinely do this to you are the people to cut loose. The guy&#x2F;gal who had a rough month and calls you is almost never the worry.