'I have heard that in war, haste can be folly, but have never seen delay that was wise.' (Sun Tzu, The Art of War) Collecting debt from a recalcitrant debtor can feel very much like going to war, particularly if you have to slog through the trenches of a series of increasingly costly court battles. Which is where Sun Tzu’s warning against delay comes into play because not starting collection in time could defeat your claim entirely. The reason of course is that debts - with o