Working notes on getting paid.
Practical guides on AR recovery, invoice collection, and the math of what works. Written for owner-operators and AR teams who'd rather have the answer than be sold to.
Alternative to collection agency: when to go it alone instead of hiring collectors
Collection agencies charge 10-50% of recoveries as contingency. First-party recovery software lets you keep everything and stay in control. When to use each approach.
Read it → June 4, 2026Settlement and payment plan templates for overdue invoices (days 30-60)
When a client stops responding to friendly reminders, switch tactics. Offer a settlement discount or structured payment plan. These templates show how to frame it without sounding desperate.
Read it → June 2, 2026Overdue invoice reminders that keep the relationship intact
How to follow up on past-due invoices without sounding aggressive. A sequence that preserves the customer relationship while making clear payment is expected.
Read it → June 1, 2026How to chase late-paying clients without killing the relationship
A recovery sequence that escalates from email to payment terms to formal notice, letting you stay in control while the account moves toward resolution.
Read it → May 29, 2026Overdue invoice email templates: the friendly version for days 1-14
Email templates for the first two weeks of an overdue invoice. These are the early reminders where friendliness still works because most debtors just forgot or lost track.
Read it → May 26, 2026Collecting an unpaid contractor invoice without a mechanic's lien
When a lien makes sense and when first-party recovery is faster, cheaper, and keeps the relationship intact.
Read it → May 25, 2026Late payment interest rates by US state 2026: Full reference table
State-by-state late payment interest rates, maximum late fees, and statute of limitations. Complete 2026 reference for small business owners.
Read it → May 22, 2026How MSPs collect late client invoices without breaking the relationship
A step-by-step playbook for MSP owners who need to collect unpaid invoices from ongoing clients. Balances recovery with retention.
Read it → May 19, 2026Demand letter for payment: when to send one, what to write, and what comes after
A real working demand letter template plus the decision framework for when to send one. What makes a demand letter enforceable, what makes it ignored, and the difference between a polite demand and a final demand notice.
Read it → May 19, 2026Past due invoice email: 7 templates for days 1, 7, 14, 21, 30, 45, and 60
A full 60-day reminder sequence for past due invoices. Seven email templates calibrated to the debtor's emotional state at each stage, plus the decision point at day 60 where email stops working.
Read it → May 5, 2026First-party collections: what it is, why it works, and where software fits
First-party collections means recovering your own debt, in your own name, before it gets handed to a third party. The regulatory burden is lighter, the recovery rates are higher, and the customer relationship survives. Here's how it works and where software comes in.
Read it → May 5, 2026How much collection agencies charge: a small-business fee guide
What collection agencies actually charge, why their fees scale with debt age, what isn't included in the percentage, and the structural reason their pricing model fails small recoveries.
Read it → May 5, 2026Email templates for overdue invoices: 30, 60, and 90+ days
Five email templates for invoices that are already overdue. Settlement offers, payment plans, dispute responses, and the final-notice template. Plus the rule about when more email isn't the answer.
Read it → May 5, 2026Payment request email templates: 5 templates for the first 30 days
Five professional payment request email templates covering the pre-due, due-day, and first 30-day window. Copy, paste, edit. Plus the rules that make any of them work.
Read it → May 5, 2026Small business debt collection options in 2026: the four paths and how to choose
There are four distinct ways a small business can recover overdue invoices. Each has a real cost and a real ceiling. Here's the math, ranked by net recovery on a typical small-business account.
Read it → May 5, 2026Small business debt collection: a practical guide for owners who'd rather not
What small businesses actually face when invoices go unpaid. Why the in-house-versus-agency framing misses a third option. How to think about the math, the relationship, and what to do this week.
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