I have been having issues like that too. I sound much like you that I try to be flexible as long as I am not feeling taken advantage of.

I sent out one reminder like you did in the news letter. I said...

as you all know, I am typically very flexible and easy going, however due to the fact that so many people are not making on time payments, I have no choice but to start applying late fees. Just as you expect me to be here on time for you so that you can go to work each day, I expect for your payments to be on time to me. Hopefully I won't have to charge any late fees and we can use this reminder to all get back on track.

Once you send out that reminder after that you have to charge them ACTIONS speak louder than words......

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