Dear FSB: I read your recent column on collecting bad debts ("How to Make a Client Pay Up"), and have a related problem. Some customers bounce checks, which are returned for insufficient funds on amounts such as $100 or $300. These are too small to call for small-claims court or collection agencies, but add up to big money over time. What can I do? - Henry Rivkin, Co-Owner, Afiber Mannequins, Inc., Orange, NJ
Dear Henry: Of course, writing bad checks is a crime, and your local district attorney's office may be willing to help you file complaints against any habitual offenders.