Why this works
- Get the client to confirm the plan in writing.
- Include the "missed instalment" line. Without it, a plan can drag on indefinitely.
- Keep instalments short — weekly or fortnightly beats monthly when cash is tight.
Useful tools for this stage
- Late payment interest calculator — the exact interest and compensation to quote.
- WhatsApp & SMS reminder generator — for clients who ignore email.
- Letter before action generator — when reminders have run out.