It very rarely happens to me, as when someone starts to develop the habit of paying late , I replace them.
I will take them back , but I will tell them they need to pay promptly. IT USUALLY WORKS...
as for the ones that dont pay even after a reminder, I am happy for them to not pay as this means I no longer need to deal with them , and I can move foreward and replace them.
I am not one for hanging onto customers that need constant reminders ...
years ago, when I had a young family it used to realy annoy me as I needed every penny.
these days I just focus my energy on replacing them with better customers.