David Petillo once told Alphonse “Little Al” D’Arco (who would one day be acting boss of the Lucchese crime family) that the best method for loan sharking was to have a set day for collections so that both customer and lender understood the payment schedule. The etiquette of a mob loan officer was also important.

“For starters, you didn’t loan to guys you didn’t trust. You look them right in the face and say, real quiet, ‘You know what you’re doing here, right? I don’t want to have to chase you. No Excuses. Otherwise, don’t take the money. Do us both a favor and just walk away now. No hard feelings.’ But the guy never walks away. They always want the money and they always say they understand.”