I am solo too. I don't see patients who don't pay. Why would I? If they don't value my services they better leave. I have payment plans, I don't send pts to collections because it is useless with primary care charges - no collection agency would vigorously go after them anyway. Plus I have had quite a few patients to come after two-three years and pay in full. They can not be seen unless they pay. No ifs, ands, or buts.