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1407 E. Michigan Ave., Jackson 517-784-1142 770 Riverside Ave., Suite 101, Adrian 517-263-3310
CHAPTER XXXII - Terms Of Payment, Installment Payments, Guarantee
ADVANCE PAYMENT AVOIDS DELAY. - An article so important as an artificial leg or arm, which has to be made expressly to order for the person who is to wear it, should be paid for in advance. Time and expense are saved by doing so. If, however, objection is made to paying the full amount in advance, one-half the value can be forwarded with the order and the balance paid on delivery.

HOW TO MAKE PAYMENTS. - Remittances can be made by bank draft on New York, by postal money order, by express money order, or by money package by express. All drafts should be made payable to the order of A. A. Marks.

OUR RELIABILITY. - Every assurance is given that the interests and the welfare of the wearer will be subserved in every detail. Our reliability and business and financial standing can be ascertained by consulting any mercantile agency.

SUCCESS MOST IMPORTANT TO US. - It is of the greatest importance to us that every client shall be satisfied, not only with the fitting and construction of his artificial limb, but that he shall become clever, skillful, and dexterous in its use. He must do this in order to reflect credit on our skill. We take as much pride in the successful results of our work as do our clients.

As manufacturers, we cannot afford to neglect, or hastily dismiss a case, or show a lack of interest, or the least hesitancy in doing everything that is possible for the relief and comfort of our patrons. Wisdom compels the strictest integrity in the discharge of every obligation. Trouble and expense are not to be considered when disappointment and displeasure can be averted. No establishment can exist long that becomes careless, or allows its conduct to be criticised or impugned.

ADVANCED PAYMENTS ARE IN THE INTEREST OF THE WEARERS. - Payments in advance may be looked upon by some as arbitrary and unreasonable, but by the man of business they are viewed in the proper light, and not objected to. As a matter of fact, the best and most skillful services are always paid for in advance. If you wish to send a letter, you must attach a stamp to the envelope, and the stamp must be paid for when purchased, before the letter is delivered. This may appear to be a small matter, but to publishers and business men who have large correspondence, it amounts to hundreds of dollars every day. If you wish to send a telegram, you must pay for it in advance. If you want a telephone in your house, you must pay a month’s fee in advance. If you wish to travel by land or sea, you must buy your ticket before you start; not after you have finished your journey. If you want a Lorenz to perform a surgical operation, you must pay him before he leaves his home. If you want a Makart to paint your portrait, you must pay him before he will entertain your order. And so it goes, the world over. The best talent and the most skillful services are only obtainable by paying in advance for them. The richest men-the most reputable merchants-have always to yield to these terms when they seek the best.

The same can be said of artificial limbs. The best can only be obtained by meeting the maker’s terms. The poorest, those made by the inexperienced, can be obtained upon any terms that the purchaser may wish to make.

The question then resolves itself into whether the applicant prefers to get the best limb, and pay for it in advance, or whether he is willing to put up with the product of an unskilled maker, merely to have his notion indulged regarding payment.

ARTIFICIAL LIMBS ON TRIAL, PREJUDICIAL TO SUCCESS. - It has been said that “things that are not paid for are good for nothing,” and, as a matter of fact, articles that are constructed and sold under the consideration that they can be accepted or rejected, are, as a rule, rejected. It is safe to estimate that at least seventy-five per cent. of the artificial limbs that are made and delivered by small, inexperienced, and eager manufacturers, with the understanding that they can be tried for a reasonable length of time, and if not satisfactory, can be returned, are thrown back on the hands of the maker, and as these terms are only allowed by the maker of small means, he cannot afford to lose the time and material expended in the rejected limb. He, therefore, makes some slight alterations in the limb, and passes it to the next victim. There is, therefore, a strong probability, when placing an order with a manufacturer who permits his work to be returned, of getting a limb that was originally made for some other person.

WHY CORRECTLY MADE LIMBS ARE NOT ALWAYS PLEASANT AT THE START. - An artificial limb, no matter how scientifically it may be made and correctly fitted, is not a very comfortable article to wear during the period required to get accustomed to it. During this time there are many moments of discouragement. The stump, being weak, soon tires and fails to control the limb, and because of this weakness, the wearer gets discouraged and either concludes that the limb has not been properly made and fitted, or that his stump is of a character that will never control one. If the leg is not paid for, it will in all probability be rejected and returned to the maker during one of these periods when the wearer is in a discouraged frame of mind.

PATIENT ENDEAVOR BRINGS ITS REWARD. - If, on the other hand, the limb is paid for, the effort to wear it will be repeated again and again, until finally the task is accomplished, and the services derived will prove to be valuable beyond calculation. Viewing the subject in this aspect, it will be seen that the fact that the limb is paid for has a stimulating effect on the wearer, impelling him to put forth further effort.

MONEY DEPOSITED IN BANKS NOT ACCEPTABLE. - The proposition to place money for the payment of the limb on deposit with some bank, to be paid to us as soon as the limb is received and found satisfactory, is often made. We invariably decline to accept such terms, as money deposited is subject to such conditions that the feature of security is removed. The money cannot be drawn, unless the party ordering the limb gives his consent. If he declines to accept the limb from caprice, or hasty judgment, he can demand his money, and we have no redress.

INSTALLMENT PAYMENTS. - We are willing to accept payments on the installment plan to accommodate those in indigent circumstances, provided such obligations are imposed as will make the payments absolutely sure from the legal point of view. On an order for an artificial leg the first payment must be at least one-third its value, and for an artificial arm, one-half its value; and this amount must accompany the order. The balance can be paid in large or small amounts-weekly, monthly, or at other periods-as may be desired. Deferred payments must be secured by the indorsement of a reliable business person who has an acceptable mercantile rating.

DEFERRED PAYMENTS MUST BE GUARANTEED. - The deferred payments can be made by promissory notes, one note for each payment, signed by the party ordering the limb, and also by the party offering himself as security, or they can be secured by a letter written by the party guaranteeing the payments. The following is an example that will be acceptable:


A. A. Marks, New York:

Dear Sir-Mr. ............desires to procure from you an artificial leg, and wishes to pay for the same in the following manner: ....... dollars will be advanced with the order and ...... dollars will be paid at the rate of ten dollars per month, beginning one month after the delivery of the leg.

In case of failure to meet the payments as agreed, or in case of default due to any cause whatsoever, you may hold me responsible, and upon demand I will pay the same to you.

Signed .............

Post-office address, .......... Occupation, ........

ACCEPTABLE GUARANTORS. - We know no mercantile agency that quotes the financial standing or business liability of professional men, such as ministers, lawyers, doctors, farmers, retired men, employees, or agents. Mercantile agencies only give the standing of credit of those who are actually engaged in commercial or manufacturing industries. For this reason, we require the signature of a person engaged in business.

We believe there are but few dishonest persons; those whose motives and impulses are entirely void of integrity. Promises are made in good faith, but because of inability to keep them, they frequently go by default. A man without means, and being in need of an artificial leg, will assume almost any obligation, in order to procure one. He has the promise of a situation as soon as he can go without crutches. The future is promising and bright. He will go to his minister, or to his doctor, or his legal advisor, and as a rule, he will receive his favor. The clergyman or the doctor will promise to go security for him. The limb is obtained; the man wears it; he gets the situation, and earns fair wages; he becomes a little careless in his expenditures, or some relative or friend becomes afflicted and requires some financial help from him. The time arrives for payment to be made, and the young man has no money. The minister, or the doctor, who has guaranteed the payments, feels that it is unjust to be called upon to make payments. He writes a pitiful letter, and time is extended. This is repeated until patience becomes exhausted, and drastic measures have to be resorted to. It suddenly dawns upon the manufacturer that it would be poor policy to force payment out of the minister, or to make enemies with the doctor, and the matter is dropped, the manufacturer suffering the loss.

This is an old, old story, so often enacted in life that the manufacturer has been forced to accept no guarantors, except men engaged in business who have acceptable mercantile standings, and are prepared to meet losses, should the party default.

OUR GUARANTEE. - Every artificial leg or arm delivered by us is accompanied by a guarantee giving the assurance to the wearer that the artificial limb is constructed of the best material, and in a thoroughly workmanlike manner, and if any defects present themselves, we obligate ourselves to remove them without charge, provided the limb is delivered to us as soon as the defects have become known, and before the limb has become further damaged on account of being worn when out of order. The guarantee covers a period of five years from date of delivery.

It is well to note that the guarantee does not obligate us to keep the limb in repair for five years, irrespective of accidents, improper treatment, or extraordinary wear.

Since I have started seeing Ted Trower my gait has improved immensely and I have been more than happy with every leg that he has built for me. He always takes time to find out exactly what I want out of the leg and does his best to accommodate my needs. He answers thoroughly and knowledgeably all the questions that I may have and goes above and beyond his duties as a Prosthetist. He accompanied me to a running clinic and has many times stayed late or come in early when school conflicted with appointment times.

Jackson, MI

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