The letters that make
the claim hold
A reminder sent too early triggers no fee. A formal demand with a nine-day deadline is invalid. A settlement without an enforcement clause is merely an agreement.
Credit policy
The framework for who is granted credit, how much — and what actually happens when the money does not arrive.
View the templateDemand for repossession under retention of title
The letter that brings the goods home instead of leaving you at the back of the creditor queue.
View the templateFiling a claim in a bankruptcy estate
The letter to the trustee. A claim that is never filed receives no dividend — however well founded it is.
View the templateFormal demand letter with notice of collection
The letter required by law before a case may be handed over to debt collection — with the 10-day deadline.
View the templateNotice of assignment of a claim
The letter that tells the debtor the claim has changed hands — without it, they can pay the wrong party and still be discharged.
View the templateNotice of suspension of deliveries
The letter that makes a B2B customer pay when reminders do not — because it hits their operations, not their conscience.
View the templateNotice of transfer to debt collection
The last letter before the case leaves your organisation — and the one that most often triggers payment.
View the templatePayment agreement (instalment plan)
The simple instalment agreement — for when you want the money in instalments, but do not need a full settlement.
View the templatePayment reminder before the due date
The friendly email a few days before the due date — the cheapest reminder there is, precisely because it is not a reminder.
View the templatePayment reminder in English (foreign customers)
The same reminder, another language — for the B2B customer abroad who would otherwise be allowed to drag the matter out for months.
View the templatePromissory note
The debtor's written acknowledgement of the debt — it interrupts the limitation period and can be made into an enforceable instrument.
View the templateReminder letter
The standard reminder for an overdue invoice — with the fee, the interest and a deadline that holds up.
View the templateResponse to an objection
The letter to the debtor who disputes the claim — the one that settles whether the objection is genuine or merely a delaying tactic.
View the templateStatement of account and balance statement
The enclosure to the reminder — every outstanding invoice on one sheet, so the discussion turns on the amount and not on what is actually owed.
View the templateStatement of default interest
The specification of default interest — the one that has to stand up to recalculation if the claim ends up in the bailiff's court.
View the templateTerms of trade with interest and fee clauses
The clauses that decide whether you may charge interest at all, take the goods back and litigate on your home ground.
View the templateVoluntary settlement
The agreement that can be enforced in the bailiff's court without a judgment — if the enforcement clause is in it.
View the templateWe found nothing
Missing a document that is not here? Say the word — we will write it, and we will publish it, so that others can use it too.
Ask us for a templateWork out the reminder fee, the compensation fee and the default interest in a minute — and see whether the claim is about to become time-barred.
The template is the tool. The glossary is the explanation — the rates, the deadlines and the statutory provisions behind every letter.
It all hangs together
The glossary explains the term, the template hands you the letter, and the articles tell you what to do — and what it costs to do nothing. The three point to one another, so you need not search anywhere else.
Knowledge
Guides that set out the order of things. Analyses that put a price on it. And the law behind both.
24 publications What does the term mean?The debt collection glossary
Rates, deadlines and statutory provisions — looked up, so you can get on with it.
123 termsOr let us send the letters
Reminders, formal demands and the notice of collection run on their own with the right deadlines — and if payment still fails to arrive, our lawyers take the case over. No lock-in.