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TOPIC: Can you hold the check till?

RE:Can you hold the check till? 09 Apr 2006 13:27 #31

  • Mike Ferrara
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I've had a few checks bounce over the years but it was the same couple of people who bounced all of them and they eventually made good on them.

I had my fill of paying the credit card companies during the 4 years that I owned a retail store so I'll put that off as long as a can. I have to take checks though because I have so many clients that I've never even met. I shoe the horse and send a bill. Naturally some pay quicker than others but most don't take advantage. When someone does take advantage, I clamp down with the help of the barn manager or trainer and their habits get changed. One advantage of doing things this way is that I put the horse on a schedule. When a horse is close to being due, I check them when I'm at the barn. When the horse is ready and it fits my schedule, I shoe them and send a bill. It's a convenience for every one including me.

I currently have one client who has asked me to hold checks a few times. They just ran into trouble due to illness in the family so I went along. Whether I bill and wait a couple of weeks or hold a check for a cople of weeks doesn't make much difference to me.

So far, I've never been cheated out of a fee. I do have one guy now who seems to be trying and I had one like him years ago but I go after every dime and so far I haven't missed one. I shod the horses like I said I would and now he will pay like he said that he would...whether he knows it yet or not. LOL
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RE:Can you hold the check till? 09 Apr 2006 18:55 #32

Thanks Rick. Ive been thinking of the credit card thing espwccialy for the horses shows I do. Maybe worth checking more into.
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RE:Can you hold the check till? 10 Apr 2006 02:53 #33

  • Andrew Grimm
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Just Shoe It wrote:

Are you charged a % of the bill when accepiting credit cards, if so do you pass that along to your customers?

Just shoe it,
I do get charged a percentage of the bill. I haven't charged anyone to use this but if I ever had enough people to use it than I'll raise my prices.
Andrew Grimm, CF, RJF
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RE:Can you hold the check till? 10 Apr 2006 11:48 #34

I know we are getting off topic but do you guys thinks it it worth it to acept credit cards.
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RE:Can you hold the check till? 10 Apr 2006 13:47 #35

  • THamilton
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I believe that a person has to look at the demographics of the area they are in and the history of thier clients.

If you travel around to a lot of shows and so forth, yes. You are a giving an option to those there to pay with a guaranteement to you.

If you live in an area where horses are coming and going, Indio California in the winter months, yes.

If you have a solid client base with good payment histories, no.

It all depends on the cir***stances of ones clientele. Analyze your past history and future goals and decide if it will benefit how you do business.

Hope this helps.

"Nothing astonishes men so much as common sense and plain dealing" Ralph Waldo Emerson
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RE:Can you hold the check till? 10 Apr 2006 23:18 #36


Good points thanks for the input.
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RE:Can you hold the check till? 14 Apr 2006 01:59 #37

  • dbfarrier
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I make my clients sign a terms and conditions contract. In it there is a paragraph or two about bounced checks ($20.00) and unpaid bills, and any fees related to collections being the responsibility of the customer, and 10% fee's added to total owed at the beginning of every 30 day period of overdue billing...
Sounds horrible! But i have collected every bill when i send them a photo copy of their signature on my contract that they undoubtedly threw away.
I also charge a fee for missed appointments and have collected all but one.
The way i see things are, they need to treat me as a licenced business just like the phone co. etc.. I don't allow them to treat me any different. I am the only one who pais my bills for me!
Dave Bell

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