Kevin,  I totally agree with you.  I have taken a few clients to court myself.  But with varied results.  In every case I was awarded Judgment.  Some paid up.  But there were a couple that filed bankruptcy and because they owed everyone, & I was far down the line & to this date have received nothing.  So not only am I out the money they owed me, but I already paid the abstractors I subcontracted to and also the attorney fees & court fees.  I would still go that route if I have to though. 
I do not allow anyone to get more then 30-45 days behind.  We start hounding them right away.  If I don't see results quickly then we stop work.  I don't understand "not wanting to risk losing a client".  Who needs that kind of client?  I don't lower my fees, & I don't do work for deadbeats!!!!

Wanda Steudel
AccuSearch Co.