LEGAL ACTION POLICY: 1. If the outstanding debt is greater than $ always turn over to legal action when the debt becomes days past due. (Note that when secured by a lien, the date by which legal proceedings must be initiated before the lien expires is set by statute). 2. If the outstanding debt is between $ and $ send to legal action if the debt is secured by a personal guarantee, a joint-check agreement, or any other security. and$ 3. If the outstanding debt is between $ the debt is secured. 4. If the debt is $ send to legal action if or below, write-off debt and release the client