>Anyone want to toss out a sample of what they are using? I'm not looking 
>for
>anything crazy, just enough of a reminder in their face that they do know
>there are consequences to paying late.

How about, "late payment may subject creditor to a service charge of 1.5% 
per month or the legal limit whichever is greater."

Seems to me I've seen that somewhere before....

MCM



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