Dealing with overdue payments is draining. It feels like a gamble trying to get clients to pay.
I’ve noticed different tactics — some people are quick to act, while others wait it out. Just trying to figure out if I should toughen up or not.
Stop work the second they’re late on payment. That’s how you know if they’re actually serious about paying you. I’ve watched too many contractors keep working while chasing overdue invoices, then they’re stuck with twice the debt. My rule’s simple: current invoice gets paid before I touch the next phase. No exceptions. You’d be amazed how quickly people find money when the work stops.
I just ask for cash upfront on most jobs now.
The waiting game doesn’t work - I learned this the hard way. I used to be that nice guy giving clients months to pay, thinking they’d appreciate my patience. They didn’t give a damn.
Now I’ve got a system: friendly reminder at 15 days overdue, phone call at 30 days, formal notice with deadline at 45 days. Hit 60 days? Straight to collections.
Here’s what really matters - treat every client the same. Don’t make exceptions for your favorites or potential future business. I did that for years and it destroyed my cash flow.
I also demand 50% upfront from new clients now. Got burned too many times before this rule. It filters out the deadbeats before they become your problem.
Been there with the payment drama. Here’s what works after years of getting stiffed:
My approach:
- Clear payment terms upfront
- Invoice when work’s done
- Follow up at 7 days past due with a simple email
- Get serious at 30 days with a phone call
The phone call’s key. Half the time it’s an accounting mixup or they forgot. Other half, you’ll know right away if they’re dodging you.
What I wish I’d done sooner:
- Stop working when payments get behind
- Don’t deliver final files until paid
- Trust your gut about sketchy clients
Yeah, you need to toughen up. Being nice doesn’t pay bills. But you don’t have to be a jerk - just consistent and professional.
The upfront payment thing others mentioned is smart if you can swing it. I do 30% down for new clients now.
Send the invoice the second you finish the job. Don’t wait.
I give clients 30 days to pay, then hit them with late fees. Most pay up once they see extra charges adding up.
Be consistent about it. Let one client slide and word gets around that your deadlines are just suggestions.