Expectations and Actions
That is why I rally do not appreciate being given the runaround by people who owe me money. I do not enjoy calling, emailing, and faxing countless reminder - 2 weeks later, then 30 days later, then even 60, 90, and over 120 days later. It is just wrong to delay payment from someone who doesn't have the means to tack on fees like your mortgage company does or interest like your credit card company does; or shut your utilities like the phone, gas, and electric companies do for tardy payment. That is really a violation of halacha even if "everybody does it."
But things are so ridiculously distorted that we begin to anticipate being given the runaround. I found myself delightfully surprised when a new advertiser -- Sleeptight Bedding paid promptly with no reminders.