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One of the issues I frequently encountered with chapters who were having collections problems was that they didn't have the documentation required to use a collection agency. Omega builds all of that in so that there are invoices, etc. The threat of non-payment actually affecting a college student's credit rating gets them paying too. Additionally, collection agencies charge significantly more than 5%.
Enforcing payments usually means having to suspend the membership of a member or two before people start to take it seriously and you still don't get the money owed to you.
Pull some hard numbers to make your case. Figure out what that 5% means in dollars for your chapter and how much has gone uncollected.
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