I’m sorry but first of all you should be hitting those accounts long before 90 days a week nice reminder letter or a follow up customer “how are we doing” type phone call at 30 and 60 is the first step. After that just to make sure that you’re following all federal and state laws and guidelines another letter more forceful “demand letter would be sent at 90 days with a follow up call at 10 days from mailing which is also I. The letter must be in compliance with FDCPA guidelines and contain Something related to if payment is not received within 30 days or a written dispute is not received within 30 days then we will be potentially pursuing legal remedies etc. I’m also not a mean collector but I approach it from the perspective of making them think that I am trying to help them with this problem that they have and that usually settles everything down even from an angry customer. Sry for my spelling my glasses are MiIA.