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I'm reading this thinking "$415 in two months is a lot". I was a finance advisor and on our international finance committee (overseeing 7 chapters re: finance) for 6 years so here goes:
1) Break down what must be paid prior to Initiation (New Member fee, badge, Initiation Fee). They would need to pay the $75 to pledge. Then divide the rest of what has to be paid before Initiation into two payments with due dates, the last one due at least one week prior to Initiation. Have them pay the rest of their dues for that term after Initiation, divided by the other two months (nov and dec).
2) If you don't know what information is being conveyed to them, then attend a new member meeting and give them the info yourself, with due dates. A little program on "where does your money go?" would be really helpful so they know exactly what they're paying for: $xxx gets sent to our Headquarters to cover expenses like visitors, report and web development, etc. $xxx stays with the chapter. Have a pie chart of what percentage of the general budget covers recruitment, social, business expenses (copies, postage), house (if applicable). Another little chart showing how it affects the budget (usually deducted from social!) if sisters don't pay. Emphasize, in person, that payment plans can be available and that they should contact you if they need to arrange one. In my experience, they aren't going to contact someone that they don't feel like they know. Collegiate women I've met face to face are always more likely to contact me.
3) If you're not set up to accept credit cards, either get yourself set up to do so or consider going with one of the bill paying agencies (although you have to pay them based on your accounts receivables) to bill the women and follow up with payment. There are a few out there, Omega Financial, Bill Highway.. that focus on Greeks. I'm sure there are threads about these services.
4) I would double check national policies. I can't imagine that any group allows women to be initiated if they haven't paid what is required to be sent to their Headquarters for an Initiation fee. It probably isn't you making policy, but you *enforcing* policy.
5) Contact whoever your support system is in the hierarchy of your sorority (regional/province support) for ideas and support with enforcing current policies.
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