The AR Practitioner's Playbook
The 7-Touch Overdue Invoice Sequence Your Debt Collection Software Should Run
26 September 2026 · 6 min read · For Accounts receivable teams, finance managers and controllers
Most ledgers do not need more pressure, they need a schedule. This is a seven-touch sequence you can configure in debt collection software today, built to stay polite while being completely predictable.
The sequence
- Day -3: friendly pre-due reminder with invoice attached
- Day 1: overdue notice, assumes oversight, offers payment link
- Day 7: short SMS check-in and a prompt to raise any dispute
- Day 14: email offering a structured payment plan
- Day 21: voice contact during permitted hours
- Day 30: formal written notice referencing trading terms
- Day 45: internal escalation to a human negotiator
Rules that keep it fair
Cap total contacts per week, honour contact hours, pause the sequence the moment a dispute or promise to pay is recorded, and never run two channels on the same day. Consistency is the point; volume is not.
Tune with data, not instinct
Track which touch produces payment. If most resolution happens by day 7, your later touches are administrative noise and the sequence should be shortened.
Where Chasyr fits
Chasyr enforces contact limits and permitted hours at the channel layer, so a sequence cannot be accidentally configured into harassment.
Seven touches, applied identically to everyone, recover more than fifteen applied unevenly. Put the sequence in debt collection software and stop carrying it in your head.
Part of Debt Collection Software for Accounts Teams: The Practitioner's Playbook.
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This article is general information only and is not legal, financial, tax or accounting advice. Regulatory references are described as alignment objectives, not certifications or endorsements. Obtain advice from a qualified lawyer or accountant before acting. Chasyr is in closed alpha with a public launch targeted for Q4 2026.