What to do when an invoice is overdue
A step-by-step escalation process for NZ freelancers dealing with late-paying clients.
Day 1 — Friendly reminder
On the due date (or 1–2 days after), send a friendly reminder. Use Chase → Friendly in PayWren. The tone assumes it was an oversight — this resolves most late payments.
Day 7–10 — Firm follow-up
If no response or payment, use Chase → Firm. Reference the invoice number and amount, state the new deadline clearly, and note that late payment charges may apply if in your contract.
Day 21 — Final notice
Use Chase → Final Notice. State this is the last reminder before you take further action. Give a 7-day deadline.
Day 28+ — Escalation options
Small claims (Disputes Tribunal) — for amounts up to $30,000. Filing fee is $45–$180. No lawyer required. This resolves most commercial disputes.
Debt collection agency — they take a percentage but you get cash. Use for amounts over ~$2,000 where you've exhausted other options.
Statutory demand — for amounts over $1,000 owed by a company. Serious step — triggers insolvency risk for them. Consult a lawyer first.