The late charge term changed the tenants opinion of the late charge and made them prioritize rent over their other monthly payments.

The late mortgage payments shows a lack of prioritization to housing, but they may prioritize differently with a smaller landlord versus a big corporation. 

Your other options are to consider non-renewal of the lease as you might have to just tough it out until the end of the lease.If you do need to stick it out with the tenant until end of their year lease, I would now define that cashiers check, money order or cash are the only acceptable forms of payment due to her history of bounced checks. thats also in my lease that its my prerogative to demand certified funds... this way there are no further excuses with check problems and you can go straight to filing if they are late....pretty bold going on a cruise while rent check bounces.. their priorities are all out of whack.... they need to know that their stuff goes on the curb following an eviction and they need to re prioritize their finances to make rent number one.

Just prioritize.

recommendation: accept kohls/CAPONE balance balance $1730， charged off as bad debt.Other credit cards are closed or cancelled and without a balance.Two collections:Captial one bank: $1354GE money bank: $959I asked for reasons the wife explained when her husband lost job they prioritized to pay the rent and says now they have $5000 cash reservation.What do you think guys?

I lay out everything I need to do, then prioritize it based on the most important.

It had been on the books a long time, but if you spent a certain amount of money prior it would trigger it sooner.  

Models that fit my preference irrespective of Park size are (in prioritized order):Tenants deposit the rent into my local bank account - tenants write their name and space on the deposit slip or are charged a late fee to have the manual reconciliation performed.  

Just like the vending business seminar, unsophisticated, unknowledgeable people can easily be "PT Barnum-ed" into plunking down large sums of money quite easily without ANY DD done prior.  It's

But if an agents time constraints force them to prioritize between clients then unfortunately the nature of the business is we have to go with the deals that will keep the lights on in our own homes.