techspk nice try ... but read about the agreements with the financing company. loan payments are not receivables of NLS, consumers pay the finance company. Whether consumers default or not, NLS is owed the money by the finance company, not the consumers themselves.
That is one of the first things I noticed last year when I first shorted the stock was how receivables were increasing faster than sales percentage wise. It gets worse every qtr. The Choir of Denial will never learn. Make bad sales to cook the books but the day of reckoning will come. Another thing, cash flow cut in half but sales not cut in half. Hmm! Can't collect what they sell. Smoke and mirrors, like Tech says, AP being stretched out further to conserve cash. D & B show slower paying.