Free Business Collection Templates
Professional document templates to help you manage accounts receivable and collect unpaid invoices
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Demand Letters
Professional demand letters to formalize your collection efforts
Standard Commercial Demand Letter
Formal 30-day notice demanding payment for unpaid invoices. Professional template for initial collection notice.
Final Demand Letter Before Legal Action
Escalated demand letter indicating intent to pursue legal action if payment not received. Final notice before litigation.
Payment Reminder Letter
Friendly first notice for overdue payments. Professional but non-threatening approach to initial collection outreach.
Payment Plan Agreements
Templates for formalizing payment arrangements with debtors
Installment Payment Agreement Template
Formalize a payment plan with scheduled installments. Includes terms for default, interest, and payment schedule.
Promissory Note Template
Legal document evidencing a debt obligation. Includes payment terms, interest rate, and conditions for enforcement.
Payment Plan Modification Agreement
Amend existing payment agreements due to changed circumstances. Update payment schedule and terms with debtor consent.
Business Credit Documents
Protect your business with credit applications and terms
Credit Application Template
Comprehensive credit application for new customers. Gather business and financial information to assess creditworthiness.
Personal Guarantee Template
Personal guarantee of business obligations by principals. Holds business owners personally liable for company debts.
Terms & Conditions for Net-30/60/90
Standard business-to-business terms and conditions. Specify payment terms, late fees, and dispute resolution procedures.
Internal AR Management
Tools and templates for tracking and managing accounts receivable
Accounts Receivable Aging Report
Excel spreadsheet to track and categorize unpaid invoices by age. Identify priority collection targets and aging trends.
Collection Call Script Template
Professional phone call script for collection follow-ups. Guides staff through effective communication while remaining compliant.
Debtor Communication Log
Spreadsheet to document all interactions with debtors. Track calls, emails, agreements, and payment history for reference.
Legal Notices
Formal legal documents for escalating collection efforts
Notice of Intent to File Lawsuit
Formal notice indicating intent to pursue litigation. Often triggers final payment attempts before court involvement.
Cease & Desist for Disputed Charges
Legal notice demanding cessation of unauthorized charges or activities. Addresses disputed debt issues with formality.
Settlement Agreement Template
Formal agreement to settle disputed debt. Documents compromise and resolves disputes with binding terms and release language.
Need Help Collecting Your Invoices?
These templates give you the tools to manage collections yourself, but if you need professional assistance or want to escalate your recovery efforts, let our team handle it for you. We recover what's owed with expertise and authority.
Submit Your Case TodayFrequently Asked Questions
These templates provide a framework for common collection documents, but their enforceability depends on proper execution, compliance with applicable laws, and specific circumstances. They are not a substitute for legal advice. Always have an attorney review templates before using them in actual collection matters to ensure compliance with California and federal law.
Yes, you can and should customize these templates to fit your specific business and collection circumstances. However, modifications should be reviewed by an attorney to ensure they remain legally compliant. Different industries, debt amounts, and debtor situations may require significant modifications to the base templates.
While these templates can be used for initial collection efforts, we strongly recommend having an attorney review any formal collection document before sending it to a debtor. An attorney can ensure your documents comply with applicable laws, protect your interests, and are legally enforceable if disputes arise.
Templates are available in Word (.DOCX), PDF, and Excel (.XLSX) formats depending on the document type. Word documents can be easily edited and customized, PDFs provide fixed formatting, and Excel files work best for tracking and logging applications. Download the format that works best for your needs.
These templates reflect general debt collection principles and contain references to California law where applicable. However, specific requirements vary by state and jurisdiction. If you are collecting debts outside California or dealing with multistate issues, have an attorney review the templates for compliance with applicable state and local laws.
These templates are designed for business-to-business (B2B) collections and commercial debt. Consumer debt collection is heavily regulated under federal law (Fair Debt Collection Practices Act) and state laws. Do not use these templates for consumer debt without specific legal guidance, as violation of consumer protection laws can result in significant liability.