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Debt collection guides, templates and data

Free guides, letter templates, laws explained and late payment data, so you can get paid before, and after, an invoice is overdue.

Guides Templates Laws Payment terms Accounts receivable Country videos Collection data Newsletter

Pillar guideInternational debt collection, explained

How collection works when the debtor is in another country: the steps, the costs, the law and what to do first.

Read the guide →DataGlobal Collection Report 2026

Late payment statistics and collection risk by country, with sourced data for major markets.

See the report →

Cross-border B2B

Collecting from a business abroad

Eight guides in the order a case runs, from the clause you sign before the sale to enforcing a judgment in another country.

Step 1 · Before the saleRetention of title clauseStay the owner of the goods until you are paid, and the clauses to add when the buyer is abroad.Step 2 · OverdueUnpaid invoicesA day-by-day plan from reminder to collection when a business customer won't pay.Step 3 · CollectionB2B debt collectionHow collecting from another business works, what it costs and how it works abroad.Step 4 · Court in the EUEuropean payment orderThe EU court procedure for an uncontested claim against a business in another member state.Step 4 · Judgment abroadEnforcement of foreign judgmentsWhich rules apply when you won at home and the debtor's assets are in another country.ReferenceLate payment interestStatutory interest and fixed compensation by country, with a calculator.ReferenceHow long can a company chase a debt?Limitation periods for commercial debt by country, and how to stop the clock.ServiceCommercial collection agencyHand an unpaid B2B invoice to a vetted local partner in your debtor's country.

Guides

Collection, step by step

The long reads behind every collection decision.

GuideSmall claims court for businessesWhen small claims are worth it, and how the process works.GuideDebt collection in GermanyThe German process, from reminder to court payment order.GuideDebt collection in MexicoHow collection and enforcement work in Mexico.GuideDebt collection softwareWhat to look for when you choose collection software.GuideWhat debt collection costsWhat you pay when you send a claim to collection.

Templates

Free letter templates

Copy, adapt and send.

TemplateDemand letter templatesTemplates and a full guide to writing a demand letter.TemplateDemand letter for paymentAsk for an unpaid invoice to be paid by a set date.TemplateDebt acknowledgement letterGet the debtor to confirm what they owe.

Laws

The rules, explained

What creditors, collectors and consumers need to know.

GuideDebt collection lawsUS, EU and international rules, and consumer rights.

Payment terms

Terms that get you paid

Set the terms before the invoice goes out.

GuidePayment terms guideCredit, net terms and trade finance for businesses.ArticleNet 14 payment termsPros and cons for your cash flow.

Accounts receivable

Run receivables well

Workflows and decisions that keep invoices moving.

GuideAccounts receivablePolicies and workflows that get invoices paid.

Country videos

Debt collection by country, on video

Our partners explain how collection works in their country, from the first letter to enforcement. All videos are in our playlist.

Debt collection in ChinaHow it actually works · 16:13 Debt collection in the NetherlandsHow it actually works · 17:48 Debt collection in GermanyHow it actually works · 33:27 Debt collection in PolandHow it actually works · 34:30 Debt collection in Dubai and the UAEHow it actually works · 18:51

Collection data

Late payment statistics by country

From the Global Collection Report 2026.

ReportUnited StatesLate payment statistics for the US.ReportUnited KingdomLate payment statistics for the UK.ReportGermanyLate payment statistics for Germany.ReportFranceLate payment statistics for France.ReportItalyLate payment statistics for Italy.ReportSpainLate payment statistics for Spain.ReportChinaLate payment statistics for China.ReportNetherlandsLate payment statistics for the Netherlands.

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