Updated 26 Sept 2026 5 min read
An overdue invoice is best handled with a clear, escalating sequence. Acting consistently from the day payment falls due protects the relationship where it can be saved and preserves the creditor's position where it cannot.
Step 1: confirm receipt and approval
Many invoices go unpaid because they are stuck in the debtor's approval process. Confirm that the invoice reached the right person, that the purchase order number is correct and that no query is outstanding.
Step 2: written reminders
Send dated written reminders at regular intervals, each referring to the invoice number, amount and due date. Ask the debtor to confirm the balance or state any objection. A reply confirming the amount is a written acknowledgment of the debt.
Step 3: a structured proposal
If the debtor cites cash-flow difficulty, a documented payment plan with a deposit and fixed instalment dates often recovers the full amount. Record the agreement in writing and track each instalment.
Step 4: formal demand and escalation
Where reminders fail, a formal demand follows. A demand stating legal consequences is issued by an advocate. If the debt remains unpaid and is not genuinely disputed, proceedings may follow under the advocate's separate engagement.
Frequently asked questions
This article is general information for commercial creditors and is not legal advice on any particular matter. Submitting a claim does not create an advocate-client relationship.