Mark, it might be your client base that does it. I have never really noticed a difference between personal/auto emails about late bills. Client Exec sends them out for me after the 24 mark on when its due. Depending the client I can usually tell why its late. I have one client that is about 22 (and no offense to others this age group) and has issues remembering what is in his bank account. The first email he gets he calls me and goes "oops". This has happened about 4x in the past 2 years, and each time I keep reminding him that banks do offer online service to see whats in the account besides calling them on the phone. Lucky hes a kid brother almost to me, but that never stopped me when I need to collect his bill.