They know that if they receive the gentle reminder, they still have a few letters to go before they have to get serious about paying the debt. If you want to start with a letter, consider paying an attorney to write it for you. However, the attorney's letterhead serves to show the debtor that you are serious. Letters are the least effective technique because they can be so easily ignored and because you have a relatively limited opportunity to exchange information with your customer. If letters are the least effective method, then personal visits are the most effective.
Telephone calls fall somewhere in between.
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