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Request Reprint Print About Author Email to a Friend Report Problem Related Books Jeffrey Bearss, If A Debtor Is Late by Mark Koester Send Feedback to Mark Koester More Details about http:// here. Translate to Spanish Translate to French Translate to German Translate to Italian Translate to Portuguese Learn how your ad can appear here! Get Your Vision Board Iphone/Ipod App and start moving toward your dreams today! Feature Articles: Are Our Grandparents Carrying Our Economic An... Success and Balance... The Top Pitfalls of a Debt Consolidation Loan... - Risky Loans Without Any Collateral... - Same Day Loan No Credit Check: Get money same... - No Credit Check Signature Loans: Easy Funds i... - Efile - The Best Choice For a Fast Refund... - Learn More About Online Share Trading - Share... Click here for more >> You are most likely doing this now already. Make sure you gain the debtors home phone number, cell phone number and work phone numbers. I would create your contracts and promissory notes to disclose that default happens when 1 or more payments are late, and not always consecutive payments. And include if more than one payment is late or skipped, that this gives you the right to declare the note is in default, the right to speed up the total balance due, and the right to repossess the car. This is how the big three have created their contracts, and most of the main banks and finance companies. If a debtor is late on two or more times, I would begin the repossession procedure. The more you delay, the more likely the value of the vehicle is going to be weakened, and your stake in the collateral is going to be lessoned. If you begin allowing more opportunities to the debtors, you will quickly discover that they need fifth or sixth chances, and so on, until before long, you have got a multiple month time period of no payments or late payments, and their monthly vehicle payment is like an extra bank account for them take from. Only if you had started the repossession steps after the 2nd late payment, you would most likely have the car by this time and could have sold it at reposession sale, and contact your attorney to sue for the deficiency. But if you keep calling, that would be many months that will be tacked on to the whole process, which only hurts the value of the car more, and weakens your capability to repossess it, allowing the debtor more time to hide the vehicle at their friends or relatives homes. To learn more about using Michigan Collection Attorney Jeffrey Bearss, visit: http://www.weltman.com Contact the Author Mark Koester alphawolfmarketing@gmail.com More Details about http:// here. 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