{"id":20931,"date":"2024-09-30T08:37:12","date_gmt":"2024-09-30T08:37:12","guid":{"rendered":"https:\/\/www.mooninvoice.com\/blog\/?p=20931"},"modified":"2026-05-01T11:33:18","modified_gmt":"2026-05-01T11:33:18","slug":"how-to-send-someone-to-collections","status":"publish","type":"post","link":"https:\/\/www.mooninvoice.com\/blog\/how-to-send-someone-to-collections\/","title":{"rendered":"How to Send Someone to Collections? A Guide to Recover Your Debt"},"content":{"rendered":"<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"At what point can I send someone to collections?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"In general, debts are sent to collections after 90 days to 120 days after the due date. Before going to the collection, you should wait for payment and review the client relationship. Still, if you think the payment will not come, you will need to contact collection agencies.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does sending someone to collections hurt their credit?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, sending a bill to collections impacts their credit. Whenever someone reports the debt to the collection agency, it may be reported to the credit bureaus. It gives rise to a new negative entry known as a collection account. Thus, it negatively impacts the credit score.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the 7 by 7 rule of collection?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A 7-in-7 rule is a guideline that creditors and collection agencies use. According to this guideline, the collector may not contact the debtor more than 7 times within a 7-day period regarding a specific debt. The Fair Debt Collection Practices Act (FDCPA) is governed by the Consumer Financial Protection Bureau.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if a collection agency can't locate the debtor?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"In case the collection agency can\u2019t locate the debtor, they can use the \u2018Skip Tracing\u2019 technique. Under this technique, the agency can review employment data, seek public records, check credit reports, or use a database tool to find the details.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can international debts be sent to collections?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, international debts can also be sent to collections by contacting an international collection agency. However, the process is a little more complex than the local debt collection approach. Also, the legal actions are complicated with high fees and a lower recovery rate.\"\n      }\n    }\n  ]\n}\n<\/script><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.mooninvoice.com\/blog\/how-to-send-someone-to-collections\/\"\n  },\n  \"headline\": \"How to Send Someone to Collections? A Guide to Recover Your Debt\",\n  \"description\": \"Learn how to legally and effectively send someone to collections. Follow step-by-step guidance to recover unpaid invoices and protect your business.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/mi-blogs.s3.amazonaws.com\/mi-live\/blog\/wp-content\/uploads\/2026\/02\/26081921\/How-to-Send-Someone-to-Collections.jpg\",\n    \"width\": \"1200\",\n    \"height\": \"700\"\n  },\n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Moon Invoice Team\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Moon Invoice\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/cdn.mooninvoice.com\/image\/images\/home_images\/mi-animated-logo-new.svg\",\n      \"width\": \"254\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2024-09-30\",\n  \"dateModified\": \"2026-02-26\"\n}\n<\/script><\/p>\n<h2>What Does It Mean to Send Someone to Collections?<\/h2>\n<p>Sending someone to collections means hiring a collection agency to help recover a debt that has not been recovered after the company&#8217;s internal efforts. It means the agency is responsible for collecting the unpaid amount on behalf of business professionals.<\/p>\n<p>The agency can contact the debtor for the payment or report the matter to credit bureaus. Still, if it remains unpaid, legal action is the last step in the invoice collection process.<\/p>\n<div class=\"blog-cta-main blog-cta-tip\">\n  <strong><span class=\"cta-icon\">\ud83d\udce2<\/span>Are You Aware?:<\/strong><\/p>\n<p>According to one survey, around 32% of accountants and business owners reported that at least <a href=\"https:\/\/www.cfo.com\/news\/proportion-of-customers-paying-invoices-late-ticks-up-payments-debt-bankruptcy\/742079\/?\" target=\"_blank\" rel=\"noopener nofollow\">11%<\/a> of invoices are paid late in the USA.<\/p>\n<\/div>\n<h2>How to Send Someone to Collections? Key Steps to Follow<\/h2>\n<p>Sending a bill to collections is a structured process. It comprises proper communication, documentation, and legal compliance. So, when it comes to sending someone to collections, you need to follow the steps below:<\/p>\n<h3>1. Contacting the Debtor<\/h3>\n<p>Directly contacting the collection is not a good idea. Before making a decision, you must contact the debtor and request payment. Send them payment reminders &amp; contact via email or phone. You can even resend the invoice and give them the chance to complete the payment.<\/p>\n<p>This approach helps reduce confusion about <a href=\"https:\/\/www.mooninvoice.com\/blog\/late-payment-excuses\/\">late payment excuses<\/a> and maintain your client relationship. One should always maintain professionalism while contacting the debtor.<\/p>\n<h3>2. Sending the Demand Letter<\/h3>\n<p>If the debtor does not respond, you must send the formal demand letter. The letter covers the debt amount and due date. It must also clarify what will happen when the payment is not made. It acts as a final notice to your customer.<\/p>\n<h3>3. Go With Negotiation<\/h3>\n<p>Customers like discounts, and offering them is also a good way to recover your debt. If the debtor is willing to negotiate, then you can settle for the lower amount. Make sure you prepare written documents for such an agreement.<\/p>\n<h3>4. Find and Choose a Collection Agency<\/h3>\n<p>The initial step is choosing the collection agency. Obviously, you can\u2019t choose any agency randomly. If you think you can choose any collection agency at random, you are wrong. The one-size-fits-all concept doesn&#8217;t work here. Different agencies possess different specializations. Ensure the agency is properly licensed and complies with the Fair Debt Collection Practices Act.<\/p>\n<h3>5. Get All Required Documents<\/h3>\n<p>This is the most important and care needed step when contacting the payment collection agency. You need to gather all the supporting documents, including the original invoice and any other contractual agreements. Additionally, you can add details of the communication between you and your client regarding the payment.<\/p>\n<h3>6. Client Info Sharing<\/h3>\n<p>For the proper invoice collection, you need to share your client&#8217;s contact details with the collections agency. It doesn\u2019t necessary you have all the information. However, you must share any information you have with your client.<\/p>\n<h3>7. Stay Connected With Collection Agency<\/h3>\n<p>For better connectivity, you must stay connected with your collections agency. Always stay in touch with your agency and keep its phone number and email address. Keep asking about the update to get clarity.<\/p>\n<h3>8. Choose Legal Actions<\/h3>\n<p>If your hired collection agency fails to recover your debt, the last option is legal action. You can contact a lawyer for the same in order to get the right guidance.<\/p>\n<p>These are the steps above to send someone to collections. Always remember that understanding how to send someone to collections is necessary. It helps the business to handle overdue accounts professionally and legally.<\/p>\n<div class=\"cta-sc\">\n<p class=\"cta-ttl\"><strong class=\"cta-ttl\">Enhance Your Payment Flow With Moon Invoice.<\/strong><\/p>\n<p class=\"cta-cnt\">Create and share professional invoices with clarity to boost your on-time payment by 10x.<\/p>\n<p><a class=\"btn\">Start Your Free Trial<\/a><\/p>\n<\/div>\n<h2>How Much Do Collection Agencies Charge?<\/h2>\n<p>Along with how to send a bill to collections, you must also be aware of the associated charges. There are two popular payment structures among collection agencies, as follows:<\/p>\n<h3>1. Flat Fee Collections<\/h3>\n<p>A flat-fee payment model is a fixed amount that the agency charges. However, it offers 100% fund recovery. The fee range is $15 to $25 per account. The price varies depending on the volume of accounts.<\/p>\n<h3>2. Contingency-Based Collections<\/h3>\n<p>It is a popular payment method in which contingency agencies charge only when they successfully recover the funds. The average fees under the payment model range from 20 to 50 percent. Several factors, such as the volume of accounts being transferred, account age, and industry, determine the rates.<\/p>\n<h2>How to Choose the Collection Agency?<\/h2>\n<p>Choosing the right payment collection agency is quite important for you. It is because the right agency helps you to recover the debt, while the wrong agency can cause you trouble. You must address the following before finalizing the collection agency.<\/p>\n<h3>1. Verify the License and Compliance<\/h3>\n<p>Make sure the agency hold the valid license. Also, ensure the agency is in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.<\/p>\n<h3>2. Look for Its Specialization<\/h3>\n<p>Every collection agency specializes in a different area. Always choose an agency whose services align with your industry. Also, choose whether it works for local or international recovery. If the agency works for local recovery and you want an international client, then it&#8217;s not valuable.<\/p>\n<h3>3. Understanding Fees Structure<\/h3>\n<p>Different collection agencies use different methods to charge. Some charge flat fees, while others charge on a contingency basis. Choose the one that best suits your budget. Ensure there are no hidden fees and that contracting terms are clear and transparent.<\/p>\n<h3>4. Check the Reviews<\/h3>\n<p>One must check the agency&#8217;s reviews and Better Business Bureau ratings before choosing it. Get deep insights into what others say about the agency based on their experience. This will help you determine whether the agency is fruitful or not.<\/p>\n<h2>Upgrade to the Ideal Payment Solution With Moon Invoice<\/h2>\n<p>As a business professional, you can enhance your payment flow with <a href=\"https:\/\/www.mooninvoice.com\/\">Moon Invoice<\/a>. A leading &amp; trusted AI-powered invoicing software helping over 1.7M global business professionals enhance their billing operations and achieve on-time payments.<\/p>\n<p>Despite the business&#8217;s nature and size, professionals can easily streamline their payment flow with this tool. The platform offers 66+ <a href=\"https:\/\/www.mooninvoice.com\/free-invoice-template\">customized invoice templates<\/a> that deliver a professional, clear look. Also, it offers an automatic payment reminder that notifies the client of the payment due.<\/p>\n<p>The platform offers 20+ payment integrations. So, whether you accept PayPal, bank transfer, or any other payment method, the platform makes it convenient for you. Additionally, the platform supports 100+ currencies, making it easy to set up transactions for international clients.<\/p>\n<p>You can easily track payment status through its real-time, customized reports. The transaction takes place under the secured measures.<\/p>\n<p>Overall, this invoicing platform aims to simplify invoice creation, sending, and receiving on-time payments, thereby improving the business&#8217;s <a href=\"https:\/\/www.mooninvoice.com\/blog\/cash-flow\/\">cash flow<\/a>. With advanced features &amp; automation concept, this software reduces manual effort, saves time, and enhances productivity.<\/p>\n<div class=\"cta-sc\">\n<p class=\"cta-ttl\"><strong class=\"cta-ttl\">Struggling With Unpaid Invoices?<\/strong><\/p>\n<p class=\"cta-cnt\">Turn outstanding invoices into recovered revenue with Moon Invoice. Automate payment reminders &amp; say goodbye to payment delay.<\/p>\n<p><a class=\"btn\">Try It at Free Cost<\/a><\/p>\n<\/div>\n<h2>Closing Statement<\/h2>\n<p>As a business owner, you must have clear guidelines on how to send someone to collections. Apart from that, it is also important that you choose a reputable collection agency and that the process complies with the law. Sending the debt to collection is a good approach to recover the payment. Still, the decision should be made after proper thinking. Make sure you step only when there is a heavy debt amount, and it becomes necessary to recover.<\/p>\n<h2>FAQs<\/h2>\n<div id=\"1-link-20931\" class=\"sh-link 1-link sh-hide\"><h3 onclick=\"showhide_toggle('1', 20931, 'At what point can I send someone to collections?', 'At what point can I send someone to collections?'); return false;\" aria-expanded=\"false\"><span id=\"1-toggle-20931\" class=\"sh-toggle\" data-more=\"At what point can I send someone to collections?\" data-less=\"At what point can I send someone to collections?\">At what point can I send someone to collections?<\/span><\/h3><\/div><div id=\"1-content-20931\" class=\"sh-content 1-content sh-hide\" style=\"display: none;\">In general, debts are sent to collections after 90 days to 120 days after the due date. Before going to the collection, you should wait for payment and review the client relationship. Still, if you think the payment will not come, you will need to contact collection agencies.<\/p>\n<p><\/div>\n<div id=\"2-link-20931\" class=\"sh-link 2-link sh-hide\"><h3 onclick=\"showhide_toggle('2', 20931, 'Does sending someone to collections hurt their credit?', 'Does sending someone to collections hurt their credit?'); return false;\" aria-expanded=\"false\"><span id=\"2-toggle-20931\" class=\"sh-toggle\" data-more=\"Does sending someone to collections hurt their credit?\" data-less=\"Does sending someone to collections hurt their credit?\">Does sending someone to collections hurt their credit?<\/span><\/h3><\/div><div id=\"2-content-20931\" class=\"sh-content 2-content sh-hide\" style=\"display: none;\">Yes, sending a bill to collections impacts their credit. Whenever someone reports the debt to the collection agency, it may be reported to the credit bureaus. It gives rise to a new negative entry known as a collection account. Thus, it negatively impacts the credit score.<\/p>\n<p><\/div>\n<div id=\"3-link-20931\" class=\"sh-link 3-link sh-hide\"><h3 onclick=\"showhide_toggle('3', 20931, 'What is the 7 by 7 rule of collection?', 'What is the 7 by 7 rule of collection?'); return false;\" aria-expanded=\"false\"><span id=\"3-toggle-20931\" class=\"sh-toggle\" data-more=\"What is the 7 by 7 rule of collection?\" data-less=\"What is the 7 by 7 rule of collection?\">What is the 7 by 7 rule of collection?<\/span><\/h3><\/div><div id=\"3-content-20931\" class=\"sh-content 3-content sh-hide\" style=\"display: none;\">A 7-in-7 rule is a guideline that creditors and collection agencies use. According to this guideline, the collector may not contact the debtor more than 7 times within a 7-day period regarding a specific debt. The Fair Debt Collection Practices Act (FDCPA) is governed by the Consumer Financial Protection Bureau.<\/p>\n<p><\/div>\n<div id=\"4-link-20931\" class=\"sh-link 4-link sh-hide\"><h3 onclick=\"showhide_toggle('4', 20931, 'What happens if a collection agency can\\'t locate the debtor?', 'What happens if a collection agency can\\'t locate the debtor?'); return false;\" aria-expanded=\"false\"><span id=\"4-toggle-20931\" class=\"sh-toggle\" data-more=\"What happens if a collection agency can&#039;t locate the debtor?\" data-less=\"What happens if a collection agency can&#039;t locate the debtor?\">What happens if a collection agency can't locate the debtor?<\/span><\/h3><\/div><div id=\"4-content-20931\" class=\"sh-content 4-content sh-hide\" style=\"display: none;\">In case the collection agency can\u2019t locate the debtor, they can use the \u2018Skip Tracing\u2019 technique. Under this technique, the agency can review employment data, seek public records, check credit reports, or use a database tool to find the details.<\/p>\n<p><\/div>\n<div id=\"5-link-20931\" class=\"sh-link 5-link sh-hide\"><h3 onclick=\"showhide_toggle('5', 20931, 'Can international debts be sent to collections?', 'Can international debts be sent to collections?'); return false;\" aria-expanded=\"false\"><span id=\"5-toggle-20931\" class=\"sh-toggle\" data-more=\"Can international debts be sent to collections?\" data-less=\"Can international debts be sent to collections?\">Can international debts be sent to collections?<\/span><\/h3><\/div><div id=\"5-content-20931\" class=\"sh-content 5-content sh-hide\" style=\"display: none;\">Yes, international debts can also be sent to collections by contacting an international collection agency. However, the process is a little more complex than the local debt collection approach. Also, the legal actions are complicated with high fees and a lower recovery rate.<\/p>\n<p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>What Does It Mean to Send Someone to Collections? Sending someone to collections means hiring a collection agency to help recover a debt that has not been recovered after the company&#8217;s internal efforts. It means the agency is responsible for collecting the unpaid amount on behalf of business professionals. The agency can contact the debtor&hellip; <a class=\"more-link\" href=\"https:\/\/www.mooninvoice.com\/blog\/how-to-send-someone-to-collections\/\">Continue reading <span class=\"screen-reader-text\">How to Send Someone to Collections? A Guide to Recover Your Debt<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":26934,"comment_status":"open","ping_status":"open","sticky":false,"template":"single-custom-post.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1378],"tags":[],"class_list":["post-20931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payment-processing-methods","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Free Invoicing, Finance Tips &amp; Insights for Small Business<\/title>\n<meta name=\"description\" content=\"Get insights on invoicing, finance, and startup tips for small businesses, freelancers, and payment at Moon Invoice Blog.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Send Someone to Collections? 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