What to send when an invoice is 120 days (4+ months) overdue: a final reminder template, timing advice and the next step if it stays unpaid.
An invoice four months overdue needs a decision. Small claims courts are cheap for amounts under the limit; collection agencies typically take a large percentage. A final demand is your last low-cost lever.
Below is a copy-ready template. Swap the [brackets] for your details, or let PaidNudge write a tailored version and the rest of the follow-up sequence.
Subject: Invoice [INV-123] (120 days (4+ months) overdue) for [amount] Hi [Name], Re: Unpaid invoice [INV-123], [amount], due [due date] This is my final request before I take formal action. The invoice is now over 120 days overdue. If full payment (or a signed payment plan) is not received by [date], I will file a claim in [court / tribunal] for the debt plus interest and costs permitted by law. [Your name] Thanks, [Your name]
Paste the amount, client, days overdue and region. Get the friendly, firm and final emails plus late-fee wording and calendar reminders in 20 seconds. 2 free, no signup.
Generate my sequence freeOnly if your contract or terms (agreed before the work) include one, or a statute gives you the right (for example UK and EU business-to-business statutory interest). Adding a new penalty to an existing invoice usually isn't enforceable.
Email first so there's a written record, then a short call if there's no reply. Confirm anything agreed on the phone by email.
Move one step up the ladder: friendly → firm with deadline → final notice / letter before action → small claim or collection.
General information and draft wording only. Not legal advice. PaidNudge is not a law firm or a debt collector. Check your contract and local rules, or ask a qualified lawyer, before relying on any late fee, interest or court step.