What to do when a customer won’t pay

Step 1: make paying easy

Most late payers aren’t refusing. They forgot, or paying is a hassle. Send a text with the amount, what the job was, and a link they can tap to pay right now.

Step 2: remind them, politely

1. A few days later: “Hi Sam, just a reminder about the $450 for the water heater. Here’s the link to pay.”
2. A week after that: the same, a little firmer, with a date: “Please pay by Friday.”
3. Keep it friendly. Angry messages slow payment down and can be used against you.

Step 3: send a final notice

In writing (text and email), say what is owed, for what, and the date you’ll take the next step. Keep a copy of every message, photos of the work, and anything the customer signed or agreed to.

Step 4: the next step

Small claims court: for smaller amounts you can usually file yourself, without a lawyer. Limits and rules depend on your state.

Collections agency: they chase it for you and keep a share of what they collect.

For contractors who worked on a property: many states let you file a lien, but the deadlines are strict and short. Check your state’s rules, or ask a lawyer, as soon as a big bill goes unpaid.

Next time: get paid before it’s a problem

Ask for a deposit before you start, and send the bill with a payment link the day you finish. This is general information, not legal advice.