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New research has shown that businesses hit late payers with the threat of legal action six days sooner in 2011 than they did in 2010, as they tried to reclaim the money tied up in debts. In this article, we tell you how to go about collecting the money that is owed to you so it hopefully won't get to court – and to prevent it from happening in the first place. When collecting debts, it is advisable to follow a set procedure. Here we look at some of the steps you can take, however, this is not intended to