I hear a lot of no-pay complaints in the mortgage segment of the industry. I ran across a collections firm on the internet that has very low flat-fee debt collection prices. They offer a lot of flat-fee services to help you collect what is owed to you. Check it out. Get back to me with some feedback. Put down the baseball bat and try a legal collection. Have them send out a demand letter. If you are not paid on a debt, for a small fee, this firm will notify the major credit bureaus and put a ding in their credit rating. Below is one of their demand letters.