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An effective corporate credit department has responsibility not only for evaluating and authorizing trade credit extensions but also for managing the credit customers' accounts. In the more spectacular cases, credit officers work with the proper legal authorities to help keep a customer with financial difficulties operating while the problems are resolved or to liquidate the business. In routine cases, the credit department enforces the credit terms, insuring that payment discounts are taken only if deserved and that payments are made promptly according to the terms granted. The volume of accounts receivable, if not managed carefully, can quickly swell to such a point that a company can lose significant profits because its customers are using its funds free of charge.