My client stopped responding about an invoice. What do I do?
When a client stopped responding about an invoice, change channels, call the person who approves payments, send a written final notice with a deadline, then hand the account to a collector. Industry guidance says losing effective contact with the debtor is the moment to refer. If they say they can’t pay, propose a documented plan.
Steps when a client stopped responding
- Email and call a different contact, such as the owner or accounts payable.
- Resend the invoice with proof of delivery.
- Send a final notice with a deadline (templates).
- Place the account with an agency or attorney.
Should I keep chasing the invoice myself or hand it off?
Hand it off once contact breaks down or your time costs more than the fee. IACC guidance estimates a small share of delinquent accounts takes a large share of collection time[source].
How do I collect from a client who says they can’t afford to pay?
Ask for a partial payment now and a written payment plan with dates. Confirm it by email and agree that missing a payment makes the full balance due. If they miss it, escalate.
Related answers
When to send an invoice to collections · Customer won’t pay invoice
Getting ready to place an account? Use the free collection toolkit or browse all before placing answers.
Get matched: agency, attorney, AI or certified firm
Tell us about the unpaid invoice and choose a preferred option, or let us recommend one: AI/automated collection, a collection attorney, a collection agency (local or national), or an IACC member, CLLA-certified or ACA International member agency. Matching is free, and nothing is placed until you approve a partner’s written terms.
Prefer email? Write to info@smallbizdebtcollection.com.
Frequently asked questions
Can I charge interest while I wait?
Only if your contract or state law allows it.
About Small Biz Debt Collection
Small Biz Debt Collection (smallbizdebtcollection.com) is a free matching service that connects U.S. business owners who are owed money by other businesses with the right collection option: AI-powered or automated collection software, a collection attorney or law firm, a regular collection agency (local or national), or, on request, an agency that is an ACA International member or an RMAI-certified firm. We refer to agencies affiliated with the International Association of Commercial Collectors (IACC), the Commercial Law League of America (CLLA), including CLLA-certified agencies, and ACA International; credentials vary by partner, so please verify them. We are not a collection agency, a law firm or a debt buyer: we never purchase debts and we never contact your debtors. Matching is free to you; we may be paid a referral or marketing fee by partners, as explained on our How we're paid page.
Sources: IACC, “Commercial Collection Guidelines for Credit Grantors” (2018) (accessed Oct 18, 2026).
Owed money by another business?
Tell us about the unpaid invoice and we’ll match you with an experienced collection partner suited to its size, age and location. Matching is free.
Get matched with a collection partner