Learning how to choose debtors wisely is a priority of every creditor. This is the only way to avoid bad debt customers in future. According to statistics, 80% of bad debts are generated from clients who the business has transacted with for a period of more than 12 months. This implies that long-term, existing customers should be thoroughly screened before allowing them to receive a line of credit. A random credit check is not enough, because it cannot help you accurately predict the future risks of your business. Let's take a close look at some effective techniques to choose debtors to avoid bad debts in future.
Track customers' behavior.
Monitor how long the client takes before he or she settles the account. Once this has been established, make a follow-up contact as soon as you notice that the customer has taken too long to pay. Only transacting with clients who pay their debts on time can safeguard you from future bad debts.Once you deem a customer trustworthy of a line of credit, obtaining a credit report can help you determine how much credit can be safely extended to a customer.
Invoice your debtors.
If you invoice a debtor every time the debt is due, he or she psychologically gets prepared to pay. If he or she still does not pay, give a reminder to speed up the process. Consistently do this for all debtors. When the customer offers to make a partial payment, take payment and ask him or her when full payment will be made.
Provide discount incentives.
Sometimes customers will respond to incentives. Giving them discounts when they pay their debts on time encourages them to meet their financial obligations as soon as they are due. Assessing how customers respond to these incentives can help you chose customers who you can trust in future.
Take payments from a variety of methods.
Make sure your company is prepared to receive payment from a variety of sources. For instance, you should be able to accept check by phone in addition to a check in the mail. Taking methods of payment that are convenient to customers encourages them to pay their debt. This can significantly help a business avoid future bad debts.
There is no guarantee that you will completely avoid bad debts in future; however, there are safeguards that you can implement to lessen future risks to your business. Gauging your customer's ongoing credit performance before extending any credit facility to him or her will dramatically help avoid incurring bad debts. Even after you carefully decide to extend a credit to a customer, keeping in touch is key. Regular communication can assist the customer in remembering to pay their debt on time. It also helps you to continually monitor the most effective methods and techniques to employ for collection. Offering credit to customers can make your business a lot of money, if you choose debtors wisely.
DISCLAIMER
No person should rely on the contents of this publication without first obtaining advice from a qualified professional person. This publication is sold on the terms and understanding that (1) the authors, consultants and editors are not responsible for the results of any actions taken on the basis of information in this publication,nor for any error in or omission from this publication; and(2) the publisher is not engaged in rendering legal, accounting, professional or other advice or services. The publisher, and the authors, consultants and editors, expressly disclaim all and any liability and responsibility to any person, whether a purchaser or reader of this publication or not, in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this publication. Without limiting the generality of the above, no author, consultant or editor shall have any responsibility for any act or omission of any other author, consultant or editor.
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