OVERDUE INVOICE PAYMENT PLAN — EDITABLE PROPOSAL
Commercial starting point; not legal advice. Replace all fields and obtain advice appropriate to your circumstances.

Subject: Proposed payment schedule for invoice [number]

Hello [name],

We are following up on invoice [number], issued to [customer legal business name] for [goods/order reference], originally due on [date].

As of [balance date], the invoice total is [amount/currency], agreed credits are [amount] and confirmed payments are [amount]. The remaining balance we propose to schedule is [amount/currency]. Please tell us promptly if your records differ.

We propose the following payments against that existing balance:

Payment 1: [amount/currency], due [full date], reference [invoice number / installment 1].

Payment 2: [amount/currency], due [full date], reference [invoice number / installment 2].

Payment 3, if needed: [amount/currency], due [full date], reference [invoice number / installment 3].

The scheduled amounts total [amount/currency]. Each payment will reduce the outstanding amount on the original invoice. These requests are collection instructions for that balance.

Interest, charges or other changes: [state the specifically proposed treatment; obtain suitable advice before changing rights or adding charges].

Payment route: [bank details or individual payment link, supplied through our verified business channel]. If you use a different payer name or reference, please send remittance details to [contact].

Please have an authorized contact confirm the balance, amounts, dates and payment route by [reply deadline]. We will confirm the final arrangement in writing before relying on the proposed schedule.

If a payment may be missed, contact [name/channel] before its due date. We will review the next step under the agreed terms; a revised schedule requires confirmation.

Thank you, [supplier name and contact].

The proposal deliberately leaves consequential legal terms open. Do not insert automatic acceleration, waivers, penalties, personal guarantees or “full and final settlement” language without understanding and obtaining advice on their effect.

## Give the customer a useful acceptance reply

Provide a short reply the customer's authorized contact can complete:

“On behalf of [customer business], I confirm that our reconciled unpaid balance for invoice [number] is [amount/currency] as of [date]. We agree the following payment amounts and dates: [schedule]. We will use [payment route/references]. The agreed treatment of charges or other changes is [terms]. Our payment contact is [name/email]. Please confirm the arrangement and send the payment instructions.”

Check that their reply matches your proposal. A response saying “we will try next month” does not confirm a dated schedule. If they change an amount or condition, settle the difference before sending collection instructions.

Whether this exchange forms an adequate agreement for your circumstances is a legal question; the template makes the commercial details explicit, not universally enforceable.

RECEIPT LOG
Original invoice reference: [ ]
Opening reconciled balance/currency/date: [ ]
Installment | Due date | Agreed amount | Confirmed receipt/date | Still due on installment | Total balance left
1 | [ ] | [ ] | [ ] | [ ] | [ ]
2 | [ ] | [ ] | [ ] | [ ] | [ ]
3 | [ ] | [ ] | [ ] | [ ] | [ ]
A scheduled amount is not a receipt. Record payments against the original invoice; do not create duplicate sales invoices.