The Sentinel=record., 1915-04-30
RESOLUTIONS OF
 CREDIT ADOPTED
MERCHANTS ASSOCIATION WILL GIVE EVERY CHANCE FOR
 EASY SETTLEMENTS
Movement Is Merely to Arrive Defin- ately at List of Those Willing to Pay Their Obligations When They Can.


 The Mercants Association last night adopted a resolution setting forth the action it will take in connection with those who have received credit from the members but who are not meeting obligations or making any move to try to do so The resolutions set forth in detail the plan that will be adopted in the future by the associa ton, showing that no action win be taken against those unable to pay who show a disposition to desire to pay, but that those who are willing to meet their obligations when they can do so, will be eliminated from future credit and if possible may pay old obligations.
 The rsoluton adopted by the asso- citation as reported by Secretary Russ
 is in the following form;
 Notice to Our Credit Customers.
 Owing to the fact that there is to be a National Rating Key adopted at the National Retailers Convention in
 May we the members of Hot Springs
 Merchants Association desiring 10 give our members a number 1 rating hereby agree to do away with the present records and give new ratings on all customers June l.
 We hope that June 1 we will not he compelled to give a number 4 rating
 on any person and to do our part to
 that end promise to give number
 rating to all who arrange payments as follows during the month of May If you owe one merchant a bill that is past due go see him and arrange payment without a collector
 If you owe more than one and you haven't the time to see all of them go to the Merchants Association of flee and anrrange to leave the amount you are able 10 lave each payday at the office and that will be prorated to the mercanhts you owe without a commission being charged to them.
 If you have had fire, sickness, or death in the family we will donate 10 you the amount we would have to give to a collector to run after it.
 If it be possible that we can not agree on a sttlement, we do hereby agree to arbitrate same by. the mer- chant. the debtor and the secretary choosing an arbitrator each and we wifi abide by the decison, without suit.
 If you are not able to pay anything upon your indebtedness all we will ask of you to prevent being sued or col lector being sent is to notify the sec retary each payday until you do pay up.
 We know that there are people who do not intend paying and did not iu- tend paying when they were extended credit. And those who do not comply with this fair proposition during the month of May we can only bclive that you are waiting for us to take legal action
 If we nave to send collector to know why y0u have not been in wa will certainly sue and if judgement is obtained will be published for sale each month until sold or collected.
 The only conditions above is that you pay back indebtedness according 10 your ability If your ability Is only ten cents per week to prorated 10 ten merchants, t will prevent you from being sued or a collector sent you by a member of the Merchants Association provided that you will re- port to the Secretary and pay with out waiting to be notified And if you should not have any payment at all you can report by phone.
 And we further ask the cooperation of the employing public 10 give em- pIoyment only to those who are talk ing care of their obligations to the best Of their ability.
 All merchants who employ regular collectors are requested to report the number of calls made for each payment, provided that more than one call is made We trust that you will ask that the bill be left when you are hard to find at your place of business
 None of the above are unreasonable requests and will be profitable 10 mer- chants and consumers Many of us have gotten into an ugly habit of tell ing the collectors to come back. Ask your merchant not to send you a col lector, but have the bill mailed or made ont monthly that you may stop In and pay when you need to buy.
 We are adopting this plan in an honest effort to correct the credit evil Will you please help us
 The first week in May the list of membership will he printed and any who is not a member may call l1O7 and be enrolled as a member t Is the desire of the members of this Association to do that which will be to our interest and to the interest of our customers