Not commonly used method to collect payments on past due account
There are several commonly used methods to collect payments on past due accounts, such as phone calls, letters, and third-party collections. However, one method that is not commonly used is legal action.

Legal action
Legal action involves taking the debtor to court in order to obtain a judgment against them. This can be a lengthy and costly process, and there is no guarantee that the creditor will be able to recover the full amount owed. Additionally, taking legal action can damage the relationship between the creditor and the debtor, making it more difficult to collect the debt in the future.

Reasons why legal action is not commonly used
1. Costly: Legal action can be expensive, as it often involves hiring a lawyer and paying court fees.
2. Time-consuming: Legal proceedings can take a long time to resolve, delaying the collection of the debt.
3. Uncertain outcome: There is no guarantee that the creditor will be able to recover the full amount owed, even if they win the case.
4. Damage to relationship: Taking legal action can damage the relationship between the creditor and the debtor, making it harder to collect the debt in the future.
In conclusion, legal action is not commonly used to collect payments on past due accounts due to its high cost, time-consuming nature, uncertain outcome, and potential damage to the creditor-debtor relationship. It is generally considered a last resort when other collection methods have failed.