For Value Received, I, the undersigned, hereby sell, assign, transfer and set over unto.............. all my right, title and interest in and to all of my salary, wages or any moneys due, or to become due, to the amount of.................Dollars, from any person, firm or corporation, and order the said amount to be paid to the bearer out of the first moneys due me after the presentation of a copy of this instrument. I hereby irrevocably waive all exemptions or other rights I may have by means of any law of any state in which I now, or may hereafter be employed or reside. I agree to pay all costs and attorney's fees that may be incurred in collecting the above amount. Name................................. Occupation.............. Address.................. Employed by............. Address.................. I have this form printed on cards and file them in a card file. This contract note not only helps to get the money, but it solves the problem of holding chronics and venerals. It is seldom necessary to present the order for payment. When you write a letter advising your client that you will be compelled to present the order to his employer if he doesn't come in and see you, he will show up in a very short time. Subscribe to the Merchant's Exchange. If a man will not pay his store bills you cannot expect him to pay his doctor. Get the cash when you find his name on the list, or let the other doctor have the case. After entering an account on your books, make no rebates or discounts. Buy a hog for four times its value, if necessary, but don't discount your bill. If account is paid by check, remember the following points: When a check is post-dated (dated ahead), if payed before the date mentioned, the money can be recovered. When post-dated checks fall due on Sunday or a legal holiday they should be presented on the day following. Changing the dates of checks without the consent of the drawers will make the checks void. Checks that are not dated, or that do not contain any statement when they are to be paid, are never payable. Bank checks are but orders on the bank for the payment of money, and are payable in the order in which they are presented at the bank. Do not hold checks, but present them for payment as soon as possible. If a check is not paid on proper presentation, resort may be made to the original claim. Have the banker endorse the reason for non-payment on the check. Certified checks are checks that have been endorsed by the bank, and constitute payment as to the persons drawing them. If a check is turned down at the bank notify the drawer at once. If you receive a check and endorse it and place in your bank for collection, and it is turned down, do not return it to the drawer until you get a remittance to cover, without first erasing your endorsement. CHAPTER V FORMS AND COLLECTING LETTERS.