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A little early to call them thieves, IMO. Who hasn't been later than that on a credit card payment?
You guys all need to do what I did a year ago and set your shit up so that the second a payment is later than you want it to be, traffic fucking HALTS.
Make sure your funds are coming from at leat 3 sources and that volume is spread evenly between them.
Never put enough eggs in a single basket that it would be more than a minor inconvenience to lose that basket, and move up the food chain whenever you get a chance.
That's the only way to stay alive in this environment.
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