---

name: late-invoice-escalation description: "Collect overdue invoices with a graduated escalation ladder — friendly nudge to firm notice to work-stop to final demand, each with send-ready wording and timing, plus the prevention terms that stop the next one. Use when asked my client hasn't paid me, write a payment reminder email, invoice is 60 days overdue what do I do, or client is ghosting my invoices. Produces the situation read, the escalation ladder with dates and verbatim messages, the work-stop decision point, and the payment terms that prevent reruns."

Late Invoice Escalation Skill

Most late invoices are disorganization, not theft — which is why the ladder starts friendly and blames the invoice, not the client. But freelancers fail at both ends: waiting four months of "gentle bumps" that teach the client lateness is free, or going nuclear at day 35 and torching a recoverable relationship. This skill runs the graduated ladder — each rung dated, worded, and slightly firmer — with the two real decision points marked: when work stops, and when the relationship is already gone and only the money remains.

What This Skill Produces

• The situation read — likely-disorganized vs. cash-crunched vs. disputing vs. ghosting, from the evidence
• The escalation ladder — dated rungs with verbatim send-ready messages, each escalating one notch
• The decision points — when ongoing work pauses, when it's final-demand time, and what the post-relationship options actually are
• The prevention terms — deposits, milestones, late fees, and stop-work clauses for every future agreement

Required Inputs

Ask for these if not provided:

• Invoice facts — amount, issue date, terms (net-15/30), days overdue, and whether a contract/PO backs it
• The trail so far — reminders sent, any client responses (a "sorry, next week!" and dead silence are different ladders)
• Relationship state — ongoing work happening now? future work wanted? (leverage and tone both change)
• The client's shape — enterprise AP department (slow by process — chase the process), small business (chase the person), or a known cash-crisis (a payment plan beats a write-off)

Framework: The Ladder Rules

1. Rung 1 (due +3–7 days), assume the best: "Just flagging this may have slipped through — invoice #N for $X was due [date], reattached for convenience." Blames the invoice's journey, not the human. Most cases end here.
2. Rung 2 (+14), add specificity and a question: "Following up on invoice #N, now two weeks past due. Can you confirm when payment will be processed?" A direct question demands an answer; silence after it is information.
3. Rung 3 (+30), firm with consequence preview: "Invoice #N is 30 days past due. Per our terms [cite late-fee clause if it exists]. I need payment or a payment date by [specific date] — after that I'll need to pause work in progress." Only preview consequences you'll execute.
4. The work-stop (the real leverage, use it once): ongoing work pauses when promised dates pass — stated as procedure, not anger: "Pausing work until the account is current; happy to resume immediately on payment." Never threaten it twice — the second unexecuted threat marks every future rung as bluff.
5. Rung 4 (+45–60), final demand, relationship already spent: total owed, hard deadline (7–10 days), and the named next step — collections agency, small-claims filing (designed for exactly these amounts, no lawyer needed), or a demand letter. At this point being collectable beats being liked; a genuine cash-crisis client gets offered a written payment plan with dates once instead.

Output Format

Collection Plan: invoice #[N], $[X], [D] days overdue

The Read

[Which failure mode the evidence suggests · what that changes about pace and tone]

The Ladder

Rung	Date to send	Channel	Message (verbatim)
[Each message ready to paste · rungs already burned marked done]

Decision Points

Work-stop: [trigger date and exact wording] · Final demand: [date, total, named next step] · Payment-plan branch: [if cash-crisis, the once-only offer]

Prevention (every future client)

Deposit [%] before work starts · milestone billing over monthly-in-arrears · late-fee clause [% per month, where lawful] · stop-work clause · for enterprise: PO + AP contact captured before work begins

Late-fee enforceability, demand-letter form, and small-claims limits vary by jurisdiction — verify locally; for large amounts or a contract dispute, a lawyer's letter early can be cheaper than months of the ladder.

Quality Checks

• Every rung has a date and verbatim text — a ladder without dates is a mood
• Rung 1 is genuinely warm — no passive-aggressive garnish
• Consequences are previewed exactly one rung before execution, and executed on schedule
• The work-stop is stated as procedure, not punishment
• Prevention terms appear — the best collection is the deposit you took up front

Anti-Patterns

• Do not send rung-1 wording six times — repetition without escalation teaches that lateness is free
• Do not threaten what you won't execute — one hollow threat converts the whole ladder to noise
• Do not vent in writing — every message should read fine attached to a small-claims filing, because it might be
• Do not keep delivering new work into an unpaid account past the stop trigger
• Do not skip the read — an enterprise AP maze, a cash crisis, and a ghost need different ladders, not one angrier email

Example Trigger Phrases

• "My client hasn't paid me."
• "Write a payment reminder email."
• "Send a final demand for this invoice."
• "Should I stop work until they pay?"