Darren,
Someone beat me to the punch. I'd figure out how far I am willing to write down his debt (my profit margin) and amortize the remainder over 24 months of CODs. When (and if) we were caught up, I'd never ever let him get behind again. COD him till the cows come home. If he questions you on it, drop him like a used rubber.
Good luck dude.
__________________
Jim
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