The small business guide to collecting what you're owed — written by someone with nearly three decades in the industry, on both sides of the call.
Most small business owners lose money they should have collected. Not because debtors can't pay — because no one applied the right pressure at the right time in the right way. This guide gives you the system.
These things happen every hour of every business day. The question isn't whether they'll affect your receivables. It's whether you'll know in time — and have a system ready to act.
Every week that passes after an invoice goes due, recovery odds drop. Most owners wait 60+ days before escalating.
Inconsistent contact, missed deadlines, empty threats. Debtors learn quickly what your words are worth.
A name, a balance, and a dead phone number. Agencies can only work with what you give them.
Winning a judgment and getting paid are two entirely different things — and most business owners find out too late.
From the psychology of why people don't pay to the prevention systems that stop bad debt before it starts.
This guide reflects nearly three decades of real collections work — not research, not theory. Here's what that looks like in practice.
Every morning, a collector decides which files get worked based on one question: which account is most likely to produce money today? Learn exactly what puts your file at the top of that list.
A contractor performed over $400,000 of work on an unsigned contract. The agency couldn't collect — not because the debt wasn't real, but because the documentation didn't exist. Four hundred thousand dollars. Unrecoverable.
Based on nearly three decades of working with collection agencies: roughly 20% of court judgments result in any money actually changing hands. Not paid in full — any payment at all.
If a small business owner isn't willing to personally guarantee payment, that reluctance is often the clearest early signal you'll ever get about how the relationship is likely to end.
"The chapter on working with collection agencies alone was worth the price. I had no idea how agencies actually prioritized accounts — now I know exactly what to put in a placement packet."
"I wish I'd had this three years ago. The collectability scorecard changed how I think about which accounts to chase and which ones to let go."
"The judgment collection truth was eye-opening. I was planning to take someone to small claims without understanding what happens after you win. This guide saved me real time and money."
Get the first chapter free — including the complete debtor psychology framework that experienced collectors use to classify every account they work.
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Speeding up just one delinquent payment covers the cost. One recovered write-off pays for it ten times over. The system works — if you have it.