Unless they have attorneys on staff they have no ability to sue, and are required to refer the matter to an outside law firm. Either way months of time are wasted in the collection process while the delinquent client is dissapating the assets that could be used to satisfy the debt, and which could be frozen up front through a prejudgment remedy. This is especially true if you are freezing the delinquent client's accounts receivable. In which case the knife is at his throat, and he has to negotiate terms of payment. Which terms generally take the form of a stipulation to judgment in the amount of the debt, and an acceleration clause requiring immediate payment in full if he violates the agreement. The stipulated judgment can also be secured through a judgment lien on everything the client owns (except exempt property) to assure payment.

Very often the D&B credit report is of little consequence to a habitually delinquent client. They already have lousy credit. One more strike against them makes no difference