Sales are down: Economic, personal or other unforeseen circumstances have decreased your income.

Slow or uncollectible receivables: Some customers are paying slowly and some are not paying at all.

Lack of capital: Without sufficient capital, even the smallest debts are a major challenge.

Collection calls: Creditors, collection agencies and attorneys take valuable time away from operating your business and cause tremendous stress.

Lawsuits: Lawsuits and judgments can drain scarce financial resources and threaten the existence of your company unless you have a solid plan to get out of it.