[AndyYSCISOdept]

someone who had a hard time but still paid is very different then someone who just defaults

Agreed, at the end of the day if my 6 month deal takes 8 months to pay, he is still a winner, and here is why, if he hits a rough patch in the middle of month three and asks me to suspend payments for 3 weeks but then gets back on track, that's a hell of a lot better than a merchant who starts boucing I got to call 110 times to find out whats up and then they ask for reduced payments.

I still made 28% on my mony in 8 months regardless. Sop lets all ease up on the D word.