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Debt collection and accounts receivable guides
Practical, FDCPA-aware guides on collecting overdue invoices, writing compliant collection letters, and using AI to recover more without harassment.
Oct 14, 2026 · 7 min read
Tesorio Pricing and What a Tesorio Contract Costs per Year
Tesorio publishes no price. Here is what buyers actually pay per year, what pushes a quote up, and which collections tools publish a price you can compare.
ReadOct 13, 2026 · 8 min read
Best Collections Software for SaaS Companies Billing by Invoice
Failed card renewals and unpaid annual invoices are two different problems. Nine collections tools SaaS finance teams shortlist, compared on published price and on which problem each one solves.
ReadOct 12, 2026 · 8 min read
Cheap Collection Agency Options Ranked by Real Cost per Invoice
Cheap depends on invoice size. Every published collection agency price, flat fee and contingency, worked on $500, $2,500 and $10,000 invoices, with the conditions that change the real cost.
ReadOct 07, 2026 · 8 min read
Minimum Amount to Send to Collections and the Collection Agency Minimum Amount at 7 Agencies
No law sets a minimum amount to send to collections, but agencies do, from nothing at all to a $5,000 average claim. Seven agencies' stated floors, what a $1,200 invoice nets at each, and what to do with the invoices they turn away.
ReadOct 06, 2026 · 9 min read
Paidnice vs InvoiceSherpa Pricing for QuickBooks and Xero Users
Paidnice charges by invoice volume, InvoiceSherpa charges less up front and then 1% of what customers pay through it. Here is the yearly cost of each at three real invoice volumes, and which one wins for your business.
ReadOct 05, 2026 · 7 min read
Debt collection agency UK fees for US companies collecting from British customers
Published UK and cross border collection rates for a US creditor, the same £8,000 invoice priced through every route, and the Late Payment Act interest and fixed sums you can add first.
ReadSep 30, 2026 · 8 min read
Best Collections Automation Software for Net 60 Customers Who Pay Late
Seven collections automation tools priced on the same list of 40 net 60 customers, with the escalation timeline and the three signals that flag an account long before it hits 90 days overdue.
ReadSep 29, 2026 · 7 min read
Best Debt Recovery Platform for Small B2B Invoices Under $10,000, Priced on One Batch
Seven debt recovery options priced at source on one batch of 30 small B2B invoices, with the two step setup that gives the best return and what each option does not do.
ReadSep 28, 2026 · 9 min read
Best Collection Agency for Small Business, Ranked by Published Fee and Minimum Claim
Seven collection agencies that publish their rates, compared on fee, minimum claim and what they cost on $1,500, $3,000 and $10,000 invoices, plus when to chase first.
ReadSep 25, 2026 · 7 min read
STA International collection rates, fees and minimums on real claims
STA International's published commercial rate card, the terms it does not publish, worked fees on five claim sizes and a side by side with Kaplan and CAB.
ReadSep 22, 2026 · 7 min read
Creditors Adjustment Bureau fees and what you keep on a B2B claim
Creditors Adjustment Bureau's full published fee schedule, the contract terms that move the real cost, and worked numbers on five B2B claim sizes.
ReadSep 21, 2026 · 8 min read
Kaplan Group collection agency rates, minimums and cheaper options for small B2B claims
The Kaplan Group's full commercial rate card, what a lawsuit costs up front, the $5,000 average claim rule for new clients, and worked numbers on five real claim sizes.
ReadSep 17, 2026 · 7 min read
InvoiceSherpa pricing with plans, the 1% transaction fee and the real yearly cost
InvoiceSherpa charges $49 to $199 a month plus 1% of paid invoices. Here is what that costs over a year, when the fee is waived, and the published prices of the alternatives.
ReadSep 16, 2026 · 7 min read
Kolleno Pricing per User and Cheaper Kolleno Alternatives for US Finance Teams
Kolleno charges $650 to $1,245 per user per month. Here is what that costs for a real team over a year, what the price includes, and the published prices of cheaper alternatives.
ReadSep 15, 2026 · 8 min read
Best accounts receivable software for small business with prices compared
Seven accounts receivable tools a small business can buy without a sales call, with the published price of each, what that price is tied to, and the point where built-in QuickBooks reminders stop being enough.
ReadSep 10, 2026 · 10 min read
International debt collection agencies for US businesses with published rates and minimums
Only two of the six international collection agencies we checked publish a rate. Here is what STA International and the Kaplan Group actually charge on overseas claims, the minimum claim size each sets, and the arithmetic for the export invoices that fall below every agency's floor.
ReadSep 08, 2026 · 8 min read
Best commercial collection law firms for B2B invoices by fees and minimums
Almost no commercial collection law firm publishes a price. Here is what the few that do actually charge, the claim size most of them quietly decline, and the arithmetic for the invoices that fall below it.
ReadSep 05, 2026 · 9 min read
Collection agency for small claims judgment and what it charges to collect
You won in small claims and collected nothing. Here is what a judgment collection agency charges to take it on, why most will decline a judgment this size, and the two routes left when they do.
ReadSep 03, 2026 · 12 min read
Best flat fee collection agencies for small business that publish a price
Only two flat fee collection agencies publish a checkable price. Here is what each one charges per account, what the fee actually buys, and the arithmetic that decides whether flat pricing beats a contingency percentage on your book.
ReadSep 02, 2026 · 8 min read
Judgment recovery companies and the best judgment collection agencies by published fees
Five US judgment recovery companies and collection agencies with what each one actually publishes, read at source on 2 September 2026: contingency rates from 30 percent, a full claim size card, and what a judgment buyer pays in cash for face value.
ReadSep 01, 2026 · 8 min read
Best collections software for law firms compared on published price (6 options)
Legal software is priced per lawyer, but chasing invoices scales with your receivables, not your headcount. Six ways to collect unpaid client bills, on published September 2026 prices, and the confidentiality limits that rule out some of them.
ReadAug 31, 2026 · 10 min read
Commercial debt collection agencies and services for US businesses compared by fees and minimums
Most commercial collection agencies publish no price at all. Three of these six do. Here is what each charges to recover a B2B invoice, which accounts suit a fixed fee instead of a contingency, and the certification check most buyers skip.
ReadAug 30, 2026 · 8 min read
Best payment reminder software for B2B invoices compared on published price (7 tools)
QuickBooks stops at three automatic reminders and Xero stops at five. Here is what seven payment reminder tools charge in August 2026, how each one meters you, and which metering model costs least at your invoice volume.
ReadAug 29, 2026 · 9 min read
Best collections software for Xero compared on price and automation (6 tools)
Xero caps automatic invoice reminders at five and then stops silently. Here is what six collections tools add on top, what each publishes as a price in August 2026, and how to tell which job you are actually buying.
ReadAug 26, 2026 · 9 min read
Dunning letter templates, samples and format for 5 escalation stages of overdue B2B invoices
A single dunning letter rarely works. Five letters across 90 days, each escalating in tone and channel, is what moves an invoice out of an accounts payable queue. Here is the wording for each stage.
ReadAug 24, 2026 · 9 min read
Collections software for credit managers and what to check before you buy
Credit managers buy on aging, escalation and evidence. Most tools are strong on one, adequate on a second, and quietly absent on the third. Here is how to spot which is which in a single demo, with current US pricing.
ReadAug 23, 2026 · 8 min read
Per user vs flat fee pricing for collections software at 5, 10 and 25 seats
BILL charges $49 to $89 per user per month. Chaser, Paidnice and DebtAgent charge per organization. A collection agency keeps 25% to 50% of what it recovers. Here is where each model stops being the cheap one, with the arithmetic at 5, 10 and 25 seats.
ReadAug 21, 2026 · 8 min read
Best Collections Software for QuickBooks Compared on Price and Automation Across 7 Tools
QuickBooks Online caps automatic invoice reminders at three and applies no late fees. Here is what seven collections tools add on top, what each publishes as a price today, and how to tell which job you are actually buying.
ReadAug 20, 2026 · 10 min read
Collections software for accountants and bookkeepers with pricing, licensing and multi-client setup
What an accounting or bookkeeping firm needs from collections software when it manages receivables for clients: per-organization pricing, sending in the client's name, the state licensing rule most guides miss, and what the Intuit Accountant Suite migration changes.
ReadAug 17, 2026 · 11 min read
Accounts receivable outsourcing cost and what AR outsourcing services actually charge
Flat retainers, dedicated FTE rates, per invoice pricing and contingency percentages, what each actually costs a US business, and how to price the in house alternative before you read a quote.
ReadAug 16, 2026 · 8 min read
Accounts receivable collection process steps that get invoices paid
The five-stage sequence that turns collections from a habit into a process, why the pre-due reminder is the highest-return message you send, and how to decide at day 90 instead of drifting.
ReadAug 15, 2026 · 9 min read
Prevailing party attorney fees on an unpaid invoice claim and how to write the clause
Under the American Rule you pay your own lawyer even when you win, which is why so many valid invoice claims are not worth bringing. A prevailing party attorney fees clause reverses that arithmetic, and six states make a one sided clause mutual whether you intended it or not.
ReadAug 14, 2026 · 11 min read
How to collect a judgment in Florida with judgment liens, garnishment and proceedings supplementary
Winning is the easy part. Florida gives judgment creditors an unusually strong enforcement kit, including a tool that reaches assets a debtor moved to an affiliate without filing a second lawsuit, and one exemption that stops most creditors cold.
ReadAug 12, 2026 · 10 min read
Information subpoena with restraining notice in New York to freeze a judgment debtor's bank account
New York lets your own attorney find a judgment debtor's bank account and freeze it, without a court order and without a judge ever seeing the paperwork. Here is how the two instruments work, in what order, and what protections a business debtor does not get.
ReadAug 10, 2026 · 10 min read
How to collect a judgment against a business with writs and levies, even when the LLC has no assets
Winning is the easy half. A money judgment is a piece of paper that says you are owed money, not money. Here is the enforcement toolkit US courts actually give a business creditor, in the order that works, and how to read whether a defendant is worth chasing at all.
ReadAug 09, 2026 · 10 min read
Texas commercial debt collection laws on limitations, interest and attorney fees for unpaid invoices
Why the Texas Debt Collection Act probably does not apply to your B2B invoice, the four year deadline that catches sellers of goods, the 6 percent default interest almost nobody claims, and the 2021 change that finally made attorney fees recoverable against an LLC.
ReadAug 04, 2026 · 10 min read
Sell unpaid invoices to a collection agency and see what debt buyers actually pay
Selling an unpaid invoice, placing it with a collection agency and factoring it are three different transactions at three very different prices. Here is what debt buyers actually pay, why factors decline overdue invoices, and the tax rule that decides whether you can write the balance off instead.
ReadAug 04, 2026 · 11 min read
How to write off bad debt in QuickBooks Online and Desktop
The six step credit memo method in QuickBooks Online, the Discounts and Credits method in Desktop, why QuickBooks makes you assign an expense account in an Income account field, and the cash basis rule that stops most small businesses deducting the loss at all.
ReadAug 01, 2026 · 9 min read
How to automate invoice reminders in QuickBooks Online, and when three reminders stop being enough
QuickBooks Online will send up to three automatic invoice reminders, scheduled up to 90 days either side of the due date. Here is how to set them up, the schedule to use, the silent gotcha that stops them sending, and the point at which you need escalation rather than repetition.
ReadJul 30, 2026 · 9 min read
How to use AI in debt collection and what never to hand over
A practical sequence for putting AI to work on your receivables: automate the calendar first, the drafting second, voice last, and keep disputes, negotiation, legal decisions and strategic accounts with a person.
ReadJul 24, 2026 · 15 min read
Net 30 Payment Terms with Examples and Contract Wording That Gets You Paid
Net 30 means the full invoice is due 30 calendar days from the invoice date. That single sentence hides most of the reasons US businesses get paid at day 52 instead. Here is what the term actually obliges your customer to do, the wording that makes it stick, and how to check whether your terms are being honored.
ReadJul 23, 2026 · 10 min read
Debt Collection Software Cost and What You Actually Pay With Every Price Checked at Source
Every price in this article was read off the vendor's own pricing page in July 2026, not copied from a listicle. Here is what debt collection software costs by pricing model, what an agency's commission works out to on a real invoice, and the setup costs nobody quotes.
ReadJul 23, 2026 · 11 min read
Statute of Limitations on Unpaid Invoices and How Long You Have to Collect in Each State
Most US states give a business between three and ten years to sue on an unpaid invoice, but the legal deadline is not the deadline that matters. Here is the limit in every state, the rules that quietly change it, and the much shorter window where the money is actually recoverable.
ReadJul 22, 2026 · 10 min read
Small Claims Court for Unpaid Invoices and When It Is Worth Suing
Small claims court is cheap, fast, and the last thing most unpaid invoices ever need. Verified state limits, what the filing actually costs, the paper trail that wins, and the part nobody warns you about: collecting after you win.
ReadJul 22, 2026 · 9 min read
How to Collect a Debt From a Business That Won't Pay in the US
Most unpaid B2B invoices are stuck, not refused. The escalation ladder that works, what the 90 day mark really means, and how to choose between an agency, small claims court, and a write-off.
ReadJul 22, 2026 · 9 min read
Accounts Receivable Aging Report Explained Bucket by Bucket
An aging report is the one page that tells you which customers are quietly turning into bad debt. Here is what each column means, what a real one looks like, and the action that belongs to every bucket.
ReadJul 17, 2026 · 11 min read
Late Fees on Invoices and What You Can Legally Charge on a Late Payment Invoice
The late fee clause most small businesses rely on is unenforceable, for one boring reason. What you can charge, what caps it, and why charging it consistently matters more than the rate.
ReadJul 17, 2026 · 9 min read
How to Ask for Payment Politely With Scripts, Reminder Messages and Templates
Politeness is not the same as vagueness. The wording that gets an invoice paid, at every stage, plus the four habits that make asking easy.
ReadJul 16, 2026 · 6 min read
How to Send an Invoice to Collections and What It Costs
You can send any past-due invoice to collections whenever you choose. What matters is the timing, the paperwork, and whether an in-house reminder would have worked first.
ReadJul 16, 2026 · 8 min read
First-Party vs Third-Party Debt Collection and What the Difference Means for Your Business
The practical difference between collecting in your own name and handing an account to an agency, and how it changes your legal exposure, your cost, and your customer relationship.
ReadJul 16, 2026 · 9 min read
How to Reduce DSO With 9 Changes That Actually Move Days Sales Outstanding
The DSO formula, what counts as good, and the nine changes that actually shorten the gap between delivering work and getting paid.
ReadJul 16, 2026 · 13 min read
Collection Agency Fees and Rates and How Much Collection Agencies Charge by Claim Size
Contingency rates, published rate cards, minimum balances, and the contract clause that earns an agency its percentage on money you collected yourself.
ReadJul 10, 2026 · 8 min read
AI Debt Collection Agents in 2026 Recover More Without Harassment
How an AI debt collection agent enforces contact-time limits, mandated disclosures, and non-threatening language automatically, and how it stacks up against a contingency agency.
ReadJul 07, 2026 · 9 min read
FDCPA-Compliant Collection Letters and What You Can and Can't Say (with Templates)
The required disclosures, the banned language, and three ready-to-use templates for writing collection letters that hold up to FDCPA scrutiny.
ReadJul 03, 2026 · 8 min read
How to Collect Unpaid Invoices Without Losing the Customer (or Breaking the Law)
A practical, escalating cadence for chasing overdue invoices that gets you paid without turning a good customer into a lost one, or a legal problem.
Read