We’re certainly nowhere near bankruptcy.  But the article is interesting nonetheless.  I was plagued last year by a client that would not pay.  It was an individual we contracted with over the internet, and although we had a signed contract, we chose to write it off as bad debt after a few collection attempts.  Good article.  The End of the IOU – Minimizing Bad Debts. Are you plagued by bad debts? Have your customers’ payments gone astray? Elena shows how to make your clients pay – and save your business from bankruptcy. [SitePoint]