The Salesman

        Ed comes in one day. He is a salesman earning good money, but he never has enough money to pay his bills. He travels and his company reimburses him for his expenses, but may take two or three months before they do. We work with him to negotiate an interest allocation of 1%/month from the company on any amount unpaid after 15 days of providing his expense report and help him develop a computer tracking of his expenses to make it easy to complete and turn in his expenses quickly. Then he gets a credit card with an interest rate of 9½%.. His company starts paying his invoices more rapidly and when they don’t he actually makes money on the delay. His cash flow evens out and he starts making more sales because he can concentrate on his skills without creditors hassling him.  
       Ed paid an initial fee of $25 and agreed to work for three hours to pay his bill. One day Ed suprised us. He came in, worked for three hours, paid his bill and told us how things were working. Thanks, Ed. We appreciate.