SmartWerk
Invoicing26 June 2026 • 5 min read

Non-paying clients as a freelancer: action plan and debt collection

One in five invoices is paid late. Here is a structured approach for non-paying clients.

Do not wait too long to follow up: a fixed escalation sequence improves your chances of payment and protects your legal position. Document every step in writing.

Step 1: reminder

Send a friendly reminder 1 day after the due date with invoice number, amount and payment instructions.

Step 2: second reminder

After 14 days, send a more formal reminder and state that you will issue a formal demand if payment is still missing.

Step 3: formal demand

Send a notice of default (Dutch: ingebrekestelling/aanmaning) with statutory interest, collection costs if applicable and a new payment term (e.g. 14 days).

Step 4: debt collection

Engage a collection agency or start proceedings at the subdistrict court (kantonrechter, claims up to €25,000). Keep all correspondence.

Prevention

Use clear contracts with payment terms, work with a service agreement (overeenkomst van opdracht) and use SmartWerk: payment-due-soon from the invoice list (BASIC+), overdue recovery in Reminders (PRO+, automatic on PREMIUM).

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