File Unpaid Invoice Default

Skip expensive lawyers and collections agencies. File defaults that create permanent credit impact for free. Debtors get 30 days to pay before it becomes public.

How It Works

1

Upload

Secure & Private

2

We Notify

Instant Alert

3

30-Day Payment Window

Time to Pay

4

Permanent Record

All Credit Checks

Upload Invoice

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Bank-Level Encryption

Upload your unpaid invoice and our AI will automatically extract creditor, debtor, and invoice details to prefill the form.

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Your invoice document and business details kept private for 30 daysβ€”only visible to debtor unless unpaid.

πŸ“„ Upload Invoice

Drop your invoice here or click to browse

Accepted formats: PDF, JPG, PNG (max 10MB)

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How Our Fair 30-Day System Works

After filing, the debtor gets 30 days to pay before this becomes a permanent public record on their business credit profile. They receive immediate notification with payment options.

πŸ”’ Kept Private (30 Days)

  • β€’ Your invoice document
  • β€’ Your business name & contact details
  • β€’ Specific invoice details
  • β€’ Payment terms & descriptions

πŸ‘οΈ Visible Immediately

  • β€’ Overdue amount (XXX)
  • β€’ That there IS an unpaid invoice
  • β€’ Debtor's business name
  • β€’ Credit score impact

πŸ“‹ Legal Requirement: Only file legitimate, documented debts. False reports may result in legal action.

Stop Being Powerless Against Late Payers

No more expensive lawyers or collections agencies. File defaults that create permanent credit impact for free. Debtors get 30 days to pay before it becomes public.

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30-Day Grace Period

Fair warning system that gives businesses time to resolve payment before permanent credit impact occurs.

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Immediate Notification

Debtors are notified instantly via email with payment link, giving them opportunity to resolve or dispute the filing.

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Legal Protection

Documented debt recovery process that supports your legal rights while maintaining compliance with Australian consumer law.

How Overdue Invoice Reporting Works

Our structured approach ensures fair treatment for all parties while maintaining effective debt recovery and industry payment standards.

1

Submit Report

Provide detailed information about the overdue invoice including creditor details, debtor information, and supporting documents.

2

Immediate Notification

The debtor is notified immediately via multiple channels and given full details of the overdue amount and 30-day grace period.

3

30-Day Grace Period

During this period, the debtor can pay the outstanding amount, negotiate payment terms, or dispute the claim if incorrect.

4

Resolution or Default

If resolved within 30 days, the report is marked as paid. If unresolved, it becomes a public payment default on their credit file.

Benefits of Reporting Overdue Invoices

Improve your debt recovery success rate while contributing to better payment practices across Australian business.

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Improved Payment Rates

Studies show that formal reporting increases payment rates by up to 70% as debtors prioritize protecting their credit rating.

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Legal Documentation

Creates formal record of debt recovery attempts, strengthening your position in any future legal proceedings.

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Industry Data Contribution

Help build comprehensive payment behavior database that protects businesses globally from payment defaults.

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Skip Expensive Lawyers & Collections

No need for costly legal fees or collection agency commissions. Create permanent credit impact for free that's often more effective.

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Relationship Preservation

30-day grace period allows for negotiated solutions that can preserve business relationships while recovering debts.

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Automated Process

Once reported, the system handles notifications, tracking, and follow-up automatically, saving you time and effort.

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Dispute Resolution

Built-in dispute process ensures legitimate claims are resolved fairly while protecting against fraudulent reports.

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Real-Time Updates

Receive notifications when debtors respond, make payments, or when the grace period expires for timely follow-up action.

Requirements for Reporting Overdue Invoices

Ensure your report meets legal requirements for accurate and enforceable debt recovery

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Minimum Amount

Overdue invoices must be for $150 or more to be eligible for reporting to business credit agencies.

This threshold ensures reporting focuses on commercially significant debts.
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Overdue Period

Invoice must be at least 60 days overdue from the original due date before it can be reported.

This ensures reasonable time for payment before formal reporting.
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Documentation

Must provide original invoice, proof of delivery, and evidence of collection attempts.

Complete documentation strengthens the legal validity of your claim.
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Collection Attempts

Must demonstrate reasonable attempts to collect the debt before reporting to credit agencies.

Shows good faith effort to resolve payment without credit impact.
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Accurate Information

All business details, amounts, and dates must be accurate and verifiable through supporting documents.

Inaccurate reports can result in legal liability and penalties.
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Legal Standing

Must be the original creditor or have legal assignment of the debt to report overdue invoices.

Only legitimate debt owners can make reports to credit agencies.

Frequently Asked Questions

Common questions about reporting overdue invoices and the 30-day grace period system

What happens if the debtor pays during the 30-day grace period?

If payment is made within 30 days, the report is marked as resolved and will not appear as a payment default on their credit file. The record shows successful resolution rather than default.

Can the debtor dispute an overdue invoice report?

Yes, debtors have the right to dispute reports they believe are incorrect. We provide a fair dispute resolution process that investigates all claims and removes incorrect information.

How long do overdue reports stay on credit files?

Overdue invoice reports that progress to payment defaults remain on business credit files for up to 5 years, unless paid and marked as satisfied.

What if I have multiple overdue invoices from the same debtor?

Each invoice should be reported separately as they represent distinct credit events. However, you can consolidate multiple invoices if they're part of the same project or ongoing service.

Can I report overdue invoices for international businesses?

Yes! We support businesses globally across 90+ countries with localized business registration numbers and 50+ major currencies. Our platform handles international invoices with proper local formatting and validation.

What happens if I submit incorrect information?

Submitting false or misleading information can result in legal liability. We verify all reports and may refer suspected fraudulent reports to relevant authorities.

Ready to Report an Overdue Invoice?

Use our fair and transparent 30-day grace period system to recover outstanding debts while maintaining professional business relationships.

Check Business Credit

⚠️ Important: All filings include a 30-day grace period, giving debtors time to pay before permanent credit impact occurs.