{"id":71021,"date":"2017-05-18T08:18:53","date_gmt":"2017-05-18T06:18:53","guid":{"rendered":"https:\/\/tcm.be\/the-different-types-of-payers-and-their-responses\/"},"modified":"2025-11-26T19:59:30","modified_gmt":"2025-11-26T18:59:30","slug":"the-different-types-of-payers-and-their-responses","status":"publish","type":"post","link":"https:\/\/tcm.be\/en\/the-different-types-of-payers-and-their-responses\/","title":{"rendered":"The different types of payers and their responses"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1002\" src=\"\/wp-content\/uploads\/tcm-debt-collection-workforce.jpg\" alt=\"type of debtors and their situation\" class=\"wp-image-15076\" title=\"\" srcset=\"https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce.jpg 1500w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-900x601.jpg 900w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-768x513.jpg 768w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-480x321.jpg 480w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-640x428.jpg 640w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-720x481.jpg 720w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-960x641.jpg 960w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-1168x780.jpg 1168w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-1440x962.jpg 1440w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>Let\u2019s be clear: there are as many types of\u00a0<\/p>\n\n\n\n<strong>payers<\/strong>\n\n\n\n<p>\u00a0as there are\u00a0<\/p>\n\n\n\n<strong>debts<\/strong>\n\n\n\n<p>\u00a0and as many reasons for not paying as there are\u00a0<\/p>\n\n\n\n<strong>unpaid bills<\/strong>\n\n\n\n<p>. This makes it complicated to classify\u00a0<\/p>\n\n\n\n<strong>payers\u00a0<\/strong>\n\n\n\n<p>objectively into different, well-defined categories and to list all the\u00a0<\/p>\n\n\n\n<strong>reasons\u00a0<\/strong>\n\n\n\n<p>leading to\u00a0<\/p>\n\n\n\n<strong>late payments<\/strong>\n\n\n\n<p>\u00a0or\u00a0<\/p>\n\n\n\n<strong>non-payment<\/strong>\n\n\n\n<p>. But with the benefit of our experience,\u00a0<\/p>\n\n\n\n<strong>TCM<\/strong>\n\n\n\n<p>\u00a0can give you an overview of the issue.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The major types of payers<\/h2>\n\n\n\n<p>There are two categories of debt\u00a0<\/p>\n\n\n\n<strong>payers<\/strong>\n\n\n\n<p>: those who\u00a0<\/p>\n\n\n\n<strong>can\u2019t pay<\/strong>\n\n\n\n<p>\u00a0(about 15%) and those who\u00a0<\/p>\n\n\n\n<strong>won\u2019t pay<\/strong>\n\n\n\n<p>\u00a0(about 85%).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>For those who\u00a0<strong>can\u2019t pay<\/strong>, it\u2019s either a temporary issue (a passing event or financial difficulty) or a longer-term one (a serious financial difficulty). Through a few sources, but mostly by listening, we try to verify what&#8217;s really going on with these businesses or individuals. For B2B (business-to-business) debts, there are \u201ccascade\u201d-type problems (\u201cwe\u2019re waiting on several payments ourselves from our customers before we can pay you\u201d). The general economic situation and overall professionalism have a notable impact here.<\/li>\n\n\n<li>For those who\u00a0<strong>won\u2019t pay<\/strong>, there are disputes, a\u00a0<strong>payer\u00a0<\/strong>who can\u2019t be found, or one who\u2019s forgotten to pay, etc. For these cases, listening is also essential in order to find solutions. Disputes may sometimes be justified, but even so and especially when they are not, understanding the case helps us to be more effective.<\/li>\n\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The most commonly stated reasons<\/h2>\n\n\n\n<p>So what are the reasons for not paying? This is a useful question to ask in order to avoid\u00a0<\/p>\n\n\n\n<strong>unpaid bills<\/strong>\n\n\n\n<p>. The most commonly stated\u00a0<\/p>\n\n\n\n<strong>reasons<\/strong>\n\n\n\n<p>\u00a0for not paying are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>\u201cI never ordered these goods\/services; I was just asking for information.\u201d [In this case, proof of the order itself or other evidence like delivery bills (an unquestioned delivery equals a debt recognition) is essential]<\/li>\n\n\n<li>\u201cI never signed a contract.\u201d [This is a frequent reason businesses put forward for not paying. However, a written document is not always necessary for a contractual relationship. Good administration by the creditor is essential.]<\/li>\n\n\n<li>\u201cI never got the invoice.\u201d [The post can be unreliable. More and more businesses are using e-mail. The Law of 2 August 2002 combating late payment in commercial transactions stipulates that in the absence of an invoice, the date of delivery of the goods or services shall be deemed to be due date. The delivery of goods is the optimal way to inform the customer about the existence of the debt.]<\/li>\n\n\n<li>\u201cI forgot.\u201d [Good follow-up by the creditor and then by TCM helps them remember!]<\/li>\n\n\n<li>\u201cI don\u2019t have the resources to pay.\u201d [Good listening can help limit this problem and lead to a common solution.]<\/li>\n\n\n<li>\u201cSomebody close to me has just died.\u201d<\/li>\n\n\n<li>\u201cI\u2019m on holiday.\u201d<\/li>\n\n\n<li>\u201cI\u2019ve lost my credit card.\u201d<\/li>\n\n\n<li>\u201cI&#8217;ve sent the invoice to my accountant.\u201d<\/li>\n\n\n<li>Etc.<\/li>\n\n<\/ul>\n\n\n\n<p>When faced with\u00a0<\/p>\n\n\n\n<strong>non-payment\u00a0<\/strong>\n\n\n\n<p>or\u00a0<\/p>\n\n\n\n<strong>late payment<\/strong>\n\n\n\n<p>, other entities, such as schools, find themselves in a unique situation. In such cases, for example, the reasons for non-payment relied on by parents are very specific:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>\u201cSchool is (or should be) free.\u201d [The cost of teaching is supported by the community, but school supplies, outings, meals, etc. aren\u2019t!]<\/li>\n\n\n<li>\u201cIt\u2019s my ex (husband, wife, partner, etc.) who should pay.\u201d [In some cases, a court ruling confirms this statement. This judgment applies only to the relationship of the parents to each other, and not to creditors who are unconnected with the judgment and who can therefore count on the joint and several liability of the two parents or of one of the parents which may be more solvent than the other one.]<\/li>\n\n\n<li>\u201cMy child is having problems at school (bullying, stolen mobile, etc.), and so I&#8217;m not paying.&#8221; [There is no link between this type of problem, whether actual or alleged, and invoicing for school services.]<\/li>\n\n\n<li>Many other reasons are given, some of them absurd (\u201cMy child goes to sleep too late, because the boarding school\u2019s not paying attention to his homework&#8230;!\u201d).<\/li>\n\n<\/ul>\n\n\n\n<p>In conclusion, remember that\u00a0<\/p>\n\n\n\n<strong>payers<\/strong>\n\n\n\n<p>\u00a0who can\u2019t or won&#8217;t pay will always come up with a good reason for not paying their\u00a0<\/p>\n\n\n\n<strong>debts<\/strong>\n\n\n\n<p>. That&#8217;s why your internal debt administration needs to take these challenges into account and properly manage orders, deliveries, disputes, etc. with a view to reducing\u00a0<\/p>\n\n\n\n<strong>unpaid bills<\/strong>\n\n\n\n<p>. And it works! You wish more details on what we can do for you? Please don\u2019t hesitate to contact TCM.\u00a0 Surf\u00a0our\u00a0<\/p>\n\n\n\n<a href=\"https:\/\/tcm.be\/en\/contact\/creditor\">website<\/a>\n\n\n\n<p>\u00a0or\u00a0<\/p>\n\n\n\n<a href=\"mailto:sales@tcm.be\">contact us<\/a>\n\n\n\n<p>!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1002\" src=\"\/wp-content\/uploads\/tcm-debt-collection-workforce.jpg\" alt=\"type of debtors and their situation\" class=\"wp-image-15076\" title=\"\" srcset=\"https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce.jpg 1500w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-900x601.jpg 900w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-768x513.jpg 768w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-480x321.jpg 480w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-640x428.jpg 640w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-720x481.jpg 720w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-960x641.jpg 960w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-1168x780.jpg 1168w, https:\/\/tcm.be\/wp-content\/uploads\/tcm-debt-collection-workforce-1440x962.jpg 1440w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>Let\u2019s be clear: there are as many types of\u00a0<\/p>\n\n\n\n<strong>payers<\/strong>\n\n\n\n<p>\u00a0as there are\u00a0<\/p>\n\n\n\n<strong>debts<\/strong>\n\n\n\n<p>\u00a0and as many reasons for not paying as there are\u00a0<\/p>\n\n\n\n<strong>unpaid bills<\/strong>\n\n\n\n<p>. This makes it complicated to classify\u00a0<\/p>\n\n\n\n<strong>payers\u00a0<\/strong>\n\n\n\n<p>objectively into different, well-defined categories and to list all the\u00a0<\/p>\n\n\n\n<strong>reasons\u00a0<\/strong>\n\n\n\n<p>leading to\u00a0<\/p>\n\n\n\n<strong>late payments<\/strong>\n\n\n\n<p>\u00a0or\u00a0<\/p>\n\n\n\n<strong>non-payment<\/strong>\n\n\n\n<p>. But with the benefit of our experience,\u00a0<\/p>\n\n\n\n<strong>TCM<\/strong>\n\n\n\n<p>\u00a0can give you an overview of the issue.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The major types of payers<\/h2>\n\n\n\n<p>There are two categories of debt\u00a0<\/p>\n\n\n\n<strong>payers<\/strong>\n\n\n\n<p>: those who\u00a0<\/p>\n\n\n\n<strong>can\u2019t pay<\/strong>\n\n\n\n<p>\u00a0(about 15%) and those who\u00a0<\/p>\n\n\n\n<strong>won\u2019t pay<\/strong>\n\n\n\n<p>\u00a0(about 85%).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>For those who\u00a0<strong>can\u2019t pay<\/strong>, it\u2019s either a temporary issue (a passing event or financial difficulty) or a longer-term one (a serious financial difficulty). Through a few sources, but mostly by listening, we try to verify what&#8217;s really going on with these businesses or individuals. For B2B (business-to-business) debts, there are \u201ccascade\u201d-type problems (\u201cwe\u2019re waiting on several payments ourselves from our customers before we can pay you\u201d). The general economic situation and overall professionalism have a notable impact here.<\/li>\n\n\n<li>For those who\u00a0<strong>won\u2019t pay<\/strong>, there are disputes, a\u00a0<strong>payer\u00a0<\/strong>who can\u2019t be found, or one who\u2019s forgotten to pay, etc. For these cases, listening is also essential in order to find solutions. Disputes may sometimes be justified, but even so and especially when they are not, understanding the case helps us to be more effective.<\/li>\n\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The most commonly stated reasons<\/h2>\n\n\n\n<p>So what are the reasons for not paying? This is a useful question to ask in order to avoid\u00a0<\/p>\n\n\n\n<strong>unpaid bills<\/strong>\n\n\n\n<p>. The most commonly stated\u00a0<\/p>\n\n\n\n<strong>reasons<\/strong>\n\n\n\n<p>\u00a0for not paying are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>\u201cI never ordered these goods\/services; I was just asking for information.\u201d [In this case, proof of the order itself or other evidence like delivery bills (an unquestioned delivery equals a debt recognition) is essential]<\/li>\n\n\n<li>\u201cI never signed a contract.\u201d [This is a frequent reason businesses put forward for not paying. However, a written document is not always necessary for a contractual relationship. Good administration by the creditor is essential.]<\/li>\n\n\n<li>\u201cI never got the invoice.\u201d [The post can be unreliable. More and more businesses are using e-mail. The Law of 2 August 2002 combating late payment in commercial transactions stipulates that in the absence of an invoice, the date of delivery of the goods or services shall be deemed to be due date. The delivery of goods is the optimal way to inform the customer about the existence of the debt.]<\/li>\n\n\n<li>\u201cI forgot.\u201d [Good follow-up by the creditor and then by TCM helps them remember!]<\/li>\n\n\n<li>\u201cI don\u2019t have the resources to pay.\u201d [Good listening can help limit this problem and lead to a common solution.]<\/li>\n\n\n<li>\u201cSomebody close to me has just died.\u201d<\/li>\n\n\n<li>\u201cI\u2019m on holiday.\u201d<\/li>\n\n\n<li>\u201cI\u2019ve lost my credit card.\u201d<\/li>\n\n\n<li>\u201cI&#8217;ve sent the invoice to my accountant.\u201d<\/li>\n\n\n<li>Etc.<\/li>\n\n<\/ul>\n\n\n\n<p>When faced with\u00a0<\/p>\n\n\n\n<strong>non-payment\u00a0<\/strong>\n\n\n\n<p>or\u00a0<\/p>\n\n\n\n<strong>late payment<\/strong>\n\n\n\n<p>, other entities, such as schools, find themselves in a unique situation. In such cases, for example, the reasons for non-payment relied on by parents are very specific:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>\u201cSchool is (or should be) free.\u201d [The cost of teaching is supported by the community, but school supplies, outings, meals, etc. aren\u2019t!]<\/li>\n\n\n<li>\u201cIt\u2019s my ex (husband, wife, partner, etc.) who should pay.\u201d [In some cases, a court ruling confirms this statement. This judgment applies only to the relationship of the parents to each other, and not to creditors who are unconnected with the judgment and who can therefore count on the joint and several liability of the two parents or of one of the parents which may be more solvent than the other one.]<\/li>\n\n\n<li>\u201cMy child is having problems at school (bullying, stolen mobile, etc.), and so I&#8217;m not paying.&#8221; [There is no link between this type of problem, whether actual or alleged, and invoicing for school services.]<\/li>\n\n\n<li>Many other reasons are given, some of them absurd (\u201cMy child goes to sleep too late, because the boarding school\u2019s not paying attention to his homework&#8230;!\u201d).<\/li>\n\n<\/ul>\n\n\n\n<p>In conclusion, remember that\u00a0<\/p>\n\n\n\n<strong>payers<\/strong>\n\n\n\n<p>\u00a0who can\u2019t or won&#8217;t pay will always come up with a good reason for not paying their\u00a0<\/p>\n\n\n\n<strong>debts<\/strong>\n\n\n\n<p>. That&#8217;s why your internal debt administration needs to take these challenges into account and properly manage orders, deliveries, disputes, etc. with a view to reducing\u00a0<\/p>\n\n\n\n<strong>unpaid bills<\/strong>\n\n\n\n<p>. And it works! You wish more details on what we can do for you? Please don\u2019t hesitate to contact TCM.\u00a0 Surf\u00a0our\u00a0<\/p>\n\n\n\n<a href=\"https:\/\/tcm.be\/en\/contact\/creditor\">website<\/a>\n\n\n\n<p>\u00a0or\u00a0<\/p>\n\n\n\n<a href=\"mailto:sales@tcm.be\">contact us<\/a>\n\n\n\n<p>!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s be clear: there are as many types of\u00a0 payers \u00a0as there are\u00a0 debts \u00a0and as many reasons for not paying as there are\u00a0 unpaid bills . This makes it complicated to classify\u00a0 payers\u00a0 objectively into different, well-defined categories and to list all the\u00a0 reasons\u00a0 leading to\u00a0 late payments \u00a0or\u00a0 non-payment . But with the [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[63],"tags":[],"class_list":["post-71021","post","type-post","status-publish","format-standard","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/posts\/71021","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/comments?post=71021"}],"version-history":[{"count":1,"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/posts\/71021\/revisions"}],"predecessor-version":[{"id":72242,"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/posts\/71021\/revisions\/72242"}],"wp:attachment":[{"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/media?parent=71021"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/categories?post=71021"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tcm.be\/en\/wp-json\/wp\/v2\/tags?post=71021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}