I have never done any work for Service Savvy and cannot comment on it. However, it is critical to keep accurate records of your accounts receivable. Just like those in any industry, we have customers who do not pay their bills on time. Sometimes it is simply because of human accident, other times because of human incompetency (including poor oversight of automated systems and databases) and other times it is because some MSCs are under-capitalized, unethical, or dishonest. They tend to go out of business. But some linger for years on the backs of shoppers. Sending past due notes, making collection calls, and filing law suits against deadbeats is all part of being in business. You won't be able to do any of these things if you do not keep records.