Generally, one letter & one phone call were spent on accounts under $100. Unless the person promised to pay and then did not in which they would get dunned again for being a repeat liar with no remorse ! LOLOkay, for $100 this makes sense. But for $0.01? How do you justify that economically? It's a losing transaction even if you collect immediately. There has to be an amount at which it no longer is worth the effort to collect.
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