An interesting concept was brought to my attention this week. If you owe someone money, you have instant leverage. Think about it, you've got their attention, they'll listen to your every word as long as you're holding what they want, even though you already owe them. In fact, someone who never responds to you when you try to get in contact with will actually contact you, then you can say what you want! I just think it's an interesting concept - not saying anyone should use the leverage often, but if the opportunity presents itself, what a great tool.