Answer 6 quick questions. We look up your state's 2026 statutory interest rate and prompt-payment laws, calculate exact overdue interest from your due date, and generate a formal payment demand packet, aging ledger, and small claims exhibit kit.
Start Free Invoice Audit →Takes 90 seconds · Free state interest & prompt-pay penalty check · No account required
TO: Accounts Payable / Debtor
FROM: Creditor / Contractor
RE: Past-Due Invoice & Statutory Interest
Please remit the past-due principal balance and accrued statutory interest within the applicable cure period. This demand sets out the invoice aging schedule, statutory prompt-payment penalties, and supporting evidence.
Statutory Interest & 2x Freelance Penalty Audit
Illustrative sample · Interest & penalties depend on state law and contract terms · Excel available with add-on
The client accepted your final deliverables or milestone, promised payment was on the way, and suddenly stopped answering emails or calls.
Locks in Account Stated liability + daily statutory interest
Accounts Payable keeps blaming internal approval loops, lost invoices, or cash-flow delays long after your agreed due date passed.
Triggers state Prompt Payment & 2x Freelance Protection penalties
The client never objected when the work was delivered—and only invented vague quality complaints after you demanded payment.
Rebuts bad-faith excuses under commercial acceptance rules
| Polite Follow-Up Emails / Free Templates | Invoice Demand Kit | |
|---|---|---|
| State prompt-pay & freelance laws | ✕ Polite 'just checking in' emails with zero teeth | ✓ Cites 2026 state Prompt Pay & Freelance 2x penalty statutes |
| Statutory interest math | ✕ Leaves out interest or guesses the rate | ✓ Auto-calculates overdue days & state statutory interest (up to 10%–18%/yr) |
| Account Stated & excuse rebuttal | ✕ Lets the client stall with vague complaints | ✓ Locks in 'Account Stated' liability & dismantles late excuses |
| Small claims & court readiness | ✕ Zero exhibit organization | ✓ Labeled Exhibit A–E binder guide & 3-tab Excel interest ledger |
| Cost & speed | ✕ 35%–50% collection agency cut or $450+ lawyer fee | ✓ $29 flat — keep 100% of your recovered invoice |