I get about a dozen calls a week from companies wanting to handle my debt recovery. I have no business debt. An ad goes in when it’s paid for. A reading is paid for at time of service.  In 21 years I’ve only once had someone NOT pay.  And she still may, I don’t want to take score too soon.  I think paying up front keeps honest people honest and let’s them know that yes, they can come up with the money and not have to rely on credit or loan. It empowers them to have them pay on time.  I’m all about empowering my friends so they can have as happy a life as I have.