When it does not come
Formal demand, recovery, invoice finance, insolvency, and what a year of unpaid invoices teaches.
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The Letter That Changes the Register
A formal demand converts a commercial conversation into a legal one. It often works, it is usually final, and it should be sent deliberately.
Debt Recovery and What It Buys
Handing an invoice to somebody else to collect costs a share of it. What that money buys, and what it does not.
The Small Claims Route
Most countries have a cheap simplified court track for small undisputed debts. What it asks of a supplier, and what it does not solve.
Selling the Wait
Invoice finance converts a sixty-day wait into cash now, minus a fee. What it fixes, what it costs, and what it quietly changes.
When the Customer Fails
A customer entering insolvency changes the question from when you will be paid to whether, and the answer is usually mostly no.
Deciding to Stop
Writing off a debt is a commercial decision, not a defeat. The cost of continuing is usually larger than what remains to be recovered.
What a Year of This Teaches
Reading a year of your own invoices tells you more about how you get paid than any amount of advice about invoicing.