For every one thousand dollars, the equivalent in sales is Twenty-Thousand dollars. If Credit has been extended to a company and they begin to have financial dificulty, the time you have to recover your investment, let alone your profit, become less and less each month. it is a fact that the longer and account is delinquent the more uncollecible is becomes. the sad reality is that the offsetting of new dollars to lost accounts receivable dollars is "staggering".