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how to write a collection letter that will get customers to pay debt collection agencies in the u.s collect more than 13 billion dollars of bad debt each year and that is only the debt that has been turned over for collection the covet 19 pandemic is also having an impact on businesses of all sizes the five largest banks bank of america citigroup j.p morgan chase u.s bancorp and wells fargo disclosed during their recent earnings reports that they are forecasting more than 104 billion dollars in defaults from consumers businesses are also seeing late payments and an astounding rate at any given time 43 percent of outstanding payments to businesses are unpaid by the due dates an increase of 72 percent from the previous year bills that are 90 days past due have doubled and 4 of total outstanding invoices have been deemed uncollectible and written off if you are seeing more slow pays or no pays you are not alone however you do need to take steps to protect your business to ensure you are p