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EasyPay created a good argument that schools who do hard collections for unused lessons are coming up with big difficulties for the entire industry may very well even give rise to government strictures. I agree. While some soft collection is for agreements, moving to the purpose of hard collections - especially where the student's credit is negatively affected - is not usually a good idea for your reputation or that individuals industry. Teaching better classes is far more productive approach to invest your time and effort than hammering students you were not able to keep.