What to send when an invoice is 90 days overdue: a final reminder template, timing advice and the next step if it stays unpaid.
At 90 days the invoice is seriously delinquent. Send a formal final notice / demand letter with a deadline, then decide on small claims, a collection agency or writing it off.
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] (90 days overdue) for [amount] Hi [Name], FINAL NOTICE Invoice [INV-123] for [amount], due [due date], is 90 days overdue. Reminders were sent on [dates] without payment. Please pay [amount + any contractual interest] by [date: 7 to 14 days]. If payment is not received by then, I intend to [file a small claim / refer the debt for collection] without further notice, which may add court costs and interest. If you dispute the invoice, tell me why in writing by that date. 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.