i've been doing collections for the last 15 yrs (part time for the last 6 yrs), and 98% of the time, far winded 'excuses' are just that...excuses. two percent of the time, people's stories are true. debtor's worst trait is bad communication skills. i never have a problem with someone who can't pay right away, as long as they keep me in the loop. people who don't pay and ignore you is my biggest beef and pet peeve, and in my opinion, deserve further action. i bet sunshine has been doing this long enough to recognize those who are sincere and those who aren't. (although, yes...there's always that slim chance). communication on our part is equally important, if we give the debtor a deadline, we should stick to it, or they won't take us (or future sellers) seriously...
Kat