The Week's Features
Tow Expo Dallas' winning trucks are highlighted
Towman Scott Shover is being called "a guardian angel"
Redi-Letters' lighted signs easily mount on wreckers
Suspending auto repos of clients impacted by Hurricane Harvey
Or, do government controls actually work?
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American Towman Magazine Presents the Week in TowingSeptember 13 - September 19, 2017

City, State
Waterford, MI
(Pop. 72,166)
Auburn, AL
(Pop. 56,908)
Terre Haute, IN
(Pop. 60,785)
Loveland, CO
(Pop. 72,651)
Light-Duty nonconsensual tow rates as provided by Police Towers of America.

Letting Go

img 6911 00129By Don G. Archer

It was a mild October and business had slowed to a crawl. The blustering summer months had ceased, and winter was more than a month away. My wife and I decided to use the lull to visit family in Iowa.

First, though, I had to take care of business.

Being in business for yourself, getting away means you've got to make arrangements with your employees. You've got to plan for every perceivable challenge—or at least try.

I'd done my job and spoken to key drivers, provided detailed instructions, considered what-if scenarios and developed contingency strategies to overcome difficulties. I also made sure they knew that I would be available by phone at all times—just in case.

Wind in our hair, we hit the open road and it felt good. We were finally free. It was like shedding a waterlogged woolen coat.

We arrived mid-afternoon the following day, weary from the road. I hadn't heard anything from my guys all that time ... it kinda bothered me. We sat and talked with family and enjoyed catching up, but I couldn't help wondering how things were going back home. My phone hadn't rung and I hadn't bothered to check-in. This freedom was a little hard to take.

"Maybe all hell's breaking loose and no one's got the nerve to give me a call," I thought. So I picked up the phone and began to dial, but then stopped.

It was that way throughout the entire afternoon and into the evening. I was like Jekyll and Hyde: one moment I was talking and having fun, the next I was staring into space, tapping my fingers on my leg and envisioning all that could go wrong.

It must have been evident that I wasn't entirely there because my father-in-law spoke up and said that I needed an intervention. He brought in a couple bottles of beer and turned on the football game.

"This should take your mind off work," he said.

I took the beer and thanked him, and sat there on the couch thinking to myself, "OK, just this one. I've gotta stay alert."

For a moment, I was entirely present. I was 700 miles away from work, I was with fun people, I had a beer in my hand and was finally relaxed.

I felt at peace. I was happy and warm ... it was all kinda weird. Slowly and suddenly, it felt like my entire body was vibrating at a really low frequency.

It was at that moment that I realized it wasn't my body, but rather the phone in my pocket. I was getting a call from the shop. Someone 700 miles away needed my help.

Eager to respond, I wasted no time as I quickly placed the bottle of beer on a towel on the kitchen counter. I then turned to walk out of the kitchen and used my other hand to retrieve the phone from my pocket. What I didn't realize was that my elbow had been resting on the towel. The sudden movement in the direction of the phone caused the towel, followed by the bottle of beer, to be jerked—and come crashing down onto the floor, breaking the bottle in a huge mess.

I attempted to pre-empt the catastrophe by using the hand with the phone to catch the bottle. This caused the phone to slip out of my hand and fly across the room. It hit an antique mirror, shattered it and abruptly fell into the sink, full of soapy water.

I immediately retrieved the phone, but it was no use—the screen was shattered and water had already gotten in.

Oblivious to the chaos I'd caused, I looked at my wife and asked for her phone. I called the shop, only to find out that it was smooth sailing. Nothing was happening and no one had called.

It must have been a wrong number.

I thought I'd planned for every perceivable challenge. What I hadn't planned for was self-sabotage. I wasn't allowing myself to relax, and I wasn't letting anyone else do so either.

Realizing the mess I'd made and the mess I was in, I helped clean up, grabbed a few more beers, went back into the living room and watched the game with my father-in-law.

It was finally time to relax.

American Towman Field Editor-Midwest Don G. Archer is also a multi-published author, educator and speaker helping others to build and start successful towing businesses around the country at Don and his wife, Brenda, formerly owned and operated Broadway Wrecker in Jefferson City, Mo. E-mail him direct at

Doing Away with Credit Card Fees

15 0bf10By Don G. Archer

What once was considered a cost of doing business is now a thing of the past.

In 2005, 7 million business owners sued Visa and Master Card over service agreements. They claimed the credit card companies were forcing them to bear all the fees incurred when customers used their cards to make purchases.

As a condition of accepting their cards, Visa and Master Card told business owners that they could not pass these costs down to the consumer. They couldn't even steer them to less expensive payment options. If they did so, they would lose their ability to accept their cards.

When this was going on, I owned a convenience store and knew nothing about the suit; but I felt the pinch. A load of gas would come in off the tanker and it might cost me $2.45 per gallon. I would retail it, in step with the other gas stations in my area, at $2.49. This meant that if a customer paid with cash I would get four cents per gallon; but if they paid with a credit card ... well, that's another story.

Depending upon the card used, I would pay anywhere from 2.5 percent to 4 percent of the purchase. This meant, as a business owner barred from passing these costs down, it cost me money to sell them gas. At $2.49, the credit card fees would have been between six to nine cents per gallon, which meant I was losing between two to five cents per gallon.

Why should a business owner pay extra fees based on the type of payment used? It might have made sense in the past. If your business was the only one in the area accepting credit cards, you had an advantage. When profits were higher and margins weren't as slim you could afford these fees; but in this economy where everyone accepts credit cards, there's no need for business owners to continue to pay.

Fast-forward a few years to 2011. I'm out of the gas business, the attorneys have finally quit squabbling and justice has prevailed. Visa and Master Card are ordered to pay back some $6 billion. They were also sent back to the drawing board to rewrite their service agreements, with direction to allow business owners to pass on their fees.

But like any good movie, this can't be the end.

With the precision of surgeons, the Visa and Master Card lackeys began dissecting every word in the judge's decree looking for a "legal" way to comply with the ruling and bring in more revenue.

They rewrote their service agreements to allow business owners the option of passing their fees onto the consumer—as a surcharge.

As a result, the credit card companies were still charging business owners a transaction fee on top of what they were collecting. That fee was bigger due to the surcharge.

To illustrate: With the new service agreements, if you had a $100 sale and added a 3-percent surcharge to the customer, the credit card company will then charge the business owner somewhere in the neighborhood of 3 percent or 4 percent for the entire amount.

($100 x 3 percent = customer pays $103 x 4 percent charged by the credit card company = $104.12.)

This $100 sale nets the credit card company $4.12, and the business owner is still paying $1.12 of it. The numbers may be hard to digest but the gist was—the business owners were still losing out.

After numerous complaints, the Justice Department stepped in and sued the credit card companies. Visa and Master Card quickly settled; after a seven-week trial in 2014, it was ruled that American Express had violated anti-trust laws. Things began to change.

The ruling opened the door for businesses throughout the U.S. to pass on all those fees. My towing business was doing more than $60,000 per month in credit and debit card transactions. If this has taken place from the start, I could have saved more than $2,000 per month.

When I first learned about the changes in the law, I was skeptical. I called the company that did my credit card processing, and they had no idea what I was talking about. It seems that this is so new that only a handful of companies are doing it. They're all using the software of a company called SignaPay, who claim to be the only legally compliant software available.

As far as the viability of passing credit card fees down to towing customers, that's a whole other discussion; but if anybody out there is using this already and saving loads of money, I'm sure others would like to know about it.

American Towman Field Editor-Midwest Don G. Archer is also a multi-published author, educator and speaker helping others to build and start successful towing businesses around the country at Don and his wife, Brenda, formerly owned and operated Broadway Wrecker in Jefferson City, Mo. E-mail him direct at
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