Talk to a lawyer about unpaid invoices, collection letters and payment plans

Is a client ignoring your invoices, or did their check bounce? Get help from a LegalShield provider law firm with small business debt collection, including collection letters and advice on next steps if necessary to put more of the money you’re owed in your pocket. Small Business Plans start at just $59.95/month.

Explore plans and pricing
4.5 stars on Trustpilot
9,000+
reviews on Trustpilot
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4.5 million people covered by LegalShield
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Lawyers avg 22 years of experience
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Plans start at around $1/day
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Established in 1972
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Save on everyday items with MEMBERPerks
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4.5 million people covered by LegalShield
​
Lawyers avg 22 years of experience
​
Plans start at around $1/day
​
Established in 1972
​
Save on everyday items with MEMBERPerks
File folder tabs labeled invoices and company with a sticky note reading unpaid in red.

Business debt collection 101:

Lawyers are essential for recovering money you’re owed by customers. A lawyer can review the contract, explain what your state allows you to do, and send a collection letter on law firm letterhead. Keep in mind that timing is everything here. Every state has a strict expiration date on how long you can legally sue over an unpaid debt.

LegalShield Small Business Plans start at $59.95 / month and give you access to a law firm in your state to call for your business legal matters. Every plan includes debt collection letters (6 / year, 12 / year, or unlimited depending on the plan). You have the choice of handling collections yourself with a lawyer's advice, or allowing the firm to send the letter. Either way, it allows you to get back to business.

What commercial debtor-creditor law includes:

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Unpaid Invoices and Late Payments

For clients who have allowed their invoices to go past due and have stopped returning calls or made promises to pay that never arrive, rest assured that you have options. Your law firm advises you on options and can send collection letters (6, 12 or unlimited / year).

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Debt Collection Letters From a Lawyer

A lawyer can demand payment on your behalf; SMB Basic includes 6 letters a year, SMB Preferred includes 12, and SMB Premium has no limit.

There is no waiting period for debt collection letters.

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Commercial and B2B Debt

When a business owes you money for goods or services you have delivered, your provider law firm can review the contract through a document check, ranging from 6 documents of 25 pages or less, 12 documents of 35 pages or less, or 100 documents of 50 pages or less a year, depending on your plan.

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Bounced Checks and Broken Payment Plans

If a check was returned unpaid or a customer stopped paying on a payment plan, your law firm can advise you on your rights and can call or write the customer for you if it will be of assistance, with 1 follow-up per matter (see a plan for limitations).

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Small Claims and Collection Lawsuits

When letters don't work, the court might be the next step. Your law firm can advise on whether small claims court is the best option. If you so choose, representation comes at 15%, 20% or 25% off the firm's standard hourly rate, depending on your plan.

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When you might need a lawyer for a business debt legal situation:

Many small business owners wait too long — be proactive. If any of these situations apply, get legal advice ASAP, because each situation can get more expensive with time.

Your Reminders Have Gone Unanswered

The invoice is 60 or 90 days past due and your calls go unanswered. A collection letter on law firm letterhead shows the customer you're serious.

A Client Disputes What They Owe

The customer says the work was incomplete or the price was wrong. Your provider law firm reviews the contract through document check and advises you on your options before you push further.

The Debtor Offers a Payment Plan

Does taking less now make more sense than waiting months for the full amount? Your law firm advises on the offer and what your options are.

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Your Deadline to Sue Is Getting Close

Every state limits how long you have to sue over an unpaid debt. Your provider law firm explains your deadline and options. Representation for a lawsuit comes at 15%, 20% or 25% off the firm's hourly rate, depending on your plan.

When Nonpayment Becomes a Breach of Contract

How a LegalShield member lawyer helps here

Unlimited advice is abstract. Here's what it looks like in practice.

Send Debt Collection Letters for You

Your firm can write and send collection letters on your behalf. No waiting period applies.

Advise You on Collecting It Yourself

Prefer to handle collections on your own? Call your law firm about any business legal matter, in-state or out-of-state, and get advice on your next step.

Review the Contract Behind the Debt

Document check covers 6 documents a year up to 25 pages on SMB Basic, 12 up to 35 pages on SMB Preferred, and 100 up to 50 pages on SMB Premium.

Research Your State's Collection Rules

Legal Research gives you up to 1 hour per matter. SMB Basic covers research on matters in your state. SMB Preferred and SMB Premium also include research for out-of-state matters.

Contact a Customer Who Owes You Money

A lawyer from your provider law firm writes a letter or makes a call on your behalf. The same benefit covers other business legal matters beyond debt collection.

Save on the Cost of Going to Court

If a debt goes to court, representation comes at a discount from the provider lawyer’s standard hourly rate — 15% off on SMB Basic, 20% on SMB Preferred, and 25% on SMB Premium.

What Our Members Say About Business Debt Collection Help

Trustpilot five-star rating
Great service gives me peace of mind. Talking with the attorneys has been very simple. I've gotten all the answers that I needed in a timely fashion. I feel like the attorneys actually care, and that I am getting what I need..
Small Business Member
,
OR
October 7, 2026
Trustpilot five-star rating
LegalShield is a lifeline for our business, giving us the piece of mind and assurance we aren't exposed to any unknown liabilities. They respond in a timely manner and adhere to the time frames advertised.
Small Business Member
,
IL
August 17, 2026
Trustpilot five-star rating
Fantastic service. I cannot recommend them enough!
Small Business Member
,
TN
August 10, 2026
Trustpilot five-star rating
It has helped me review a retreat participant agreement to make sure I am fully covered, and everything is clear for my clients. I also have used it for a dispute with a marketing consultant who would not release files after termination.
Small Business Member
,
BC
July 6, 2026
Trustpilot five-star rating
Good experiences for contract reviews- They have helped me review employment and subcontractor contracts. Quick and helpful with good suggestions.
Small Business Member
,
BC
May 18, 2026
Trustpilot five-star rating
Love LegalShield: LegalShield has our back, always answering our request promptly and helping us resolved all our issues.
Small Business Member
,
CA
April 7, 2026
Trustpilot five-star rating
Great experience! Easy and straightforward. We had been trying for 6 months to retrieve some equipment from a past employee. We asked an attorney to write and send a certified letter. We had the equipment back in a week. Great job!
Small Business Member
,
CA
April 6, 2026
Trustpilot five-star rating
Great Service! Immediate Action: Saved our business a lot of time (and stress). Great experience! Will definitely consult again on next legal issue my business encounters.
Small Business Member
,
WA
April 6, 2026

Find your perfect plan

Small Business Premium

Robust legal coverage for your established or higher-risk business.
$169.95
/mo
​
Includes all Preferred Plan features
​
Document checks (up to 50 pages)
​
Lawyer letters and phone calls made on your business's behalf for an unlimited number of matters
​
Unlimited debt collection letters
​
IRS audit help (up to 90 hours)
​
Business owner bundled coverage for 2 named owners
​
Discount on additional services – 25%

Small Business Preferred

Most Popular
Additional legal services for your growing small business.
$99.95
/mo
​
Includes all Basic Plan features
​
Document checks (35 pages each)
​
Lawyer letters and calls on your business's behalf (12 per year)
​
Debt collection letters (12 per year)
​
IRS audit help (up to 45 hours)
​
Multi-state coverage with same EIN
​
Business owner bundled coverage 
​
Discount on additional services – 20%

Small Business Basic

Essential legal support for your business.
$59.95
/mo
​
Lawyer phone consultations (unlimited issues)
​
Document checks (25 pages each)
​
Lawyer letters and calls on your business’s behalf (6 per year)
​
Debt collection letters (6 per year)
​
Legal research on your business’s behalf
​
IRS audit help (up to 15 hours)
​
Trial defense hours (pre-trial and trial hours)
​
Business health check*
​
E-Signatures and online notarization*
​
Discount on additional services – 15%

*See table below for full details.

Compare Plans

Small Business Premium

$169.95
/mo
Most Popular

Small Business Preferred

$99.95
/mo

Small Business Basic

$59.95
/mo
2
1
1
10
5
2
​
​
​
100 per year (50 pages each)
12 per year (35 pages each)
6 per year (25 pages each)
Unlimited
12 per year
6 per year
Unlimited
12 per year
6 per year
​
​
​
Up to 90 hours
Up to 45 hours
Up to 15 hours
1st Year: 4 pre-trial hours, 20 trial hours

2nd Year: 8 pre-trial hours, 40 trial hours

3rd Year: 12 pre-trial hours, 60 trial hours

4th Year: 16 pre-trial hours, 75 trial hours

5th Year and beyond: 20 pre-trial hours, 90 trial hours
1st Year: 3 pre-trial hours, 15 trial hours

2nd Year: 6 pre-trial hours, 30 trial hours

3rd Year: 9 pre-trial hours, 45 trial hours

4th Year: 12 pre-trial hours, 60 trial hours

5th Year and beyond: 15 pre-trial hours, 75 trial hours
1st Year: 2 pre-trial hours, 10 trial hours

2nd Year: 4 pre-trial hours, 20 trial hours

3rd Year: 6 pre-trial hours, 30 trial hours

4th Year: 8 pre-trial hours, 40 trial hours

5th Year and beyond: 10 pre-trial hours, 50 trial hours
2 per year
1 per year
1 per year (after 6 months)
Unlimited
Unlimited
1 per year
Unlimited
10 per year
1 per year
Advice on out-of-state matters

Unlimited document checks on out-of-state matters per year

Unlimited phone calls/letters sent for out-of-state matters per year
Advice on out-of-state matters

1 document check on out-of-state matters per year

1 phone call/letter sent for out-of-state matters per year
Advice on out-of-state matters
25%
20%
15%
​
​
​

Customize your plan with add-ons for a small additional fee.

Business Plus
Add this supplement to your LegalShield Small Business Plan and get extra support for your business.
Learn More

Small Business Premium

Robust legal coverage for your established or higher-risk business.
$152.95
/mo

billed annually at

$1,835.46

​
Includes all Preferred Plan features
​
Document checks (up to 50 pages)
​
Lawyer letters and phone calls made on your business's behalf for an unlimited number of matters
​
Unlimited debt collection letters
​
IRS audit help (up to 90 hours)
​
Business owner bundled coverage for 2 named owners
​
Discount on additional services – 25%

Small Business Preferred

Most Popular
Additional legal services for your growing small business.
$89.95
/mo

billed annually at

$1,079.46

​
Includes all Basic Plan features
​
Document checks (35 pages each)
​
Lawyer letters and calls on your business's behalf (12 per year)
​
Debt collection letters (12 per year)
​
IRS audit help (up to 45 hours)
​
Multi-state coverage with same EIN
​
Business owner bundled coverage 
​
Discount on additional services – 20%

Small Business Basic

Essential legal support for your business.
$53.95
/mo

billed annually at

$647.46

​
Lawyer phone consultations (unlimited issues)
​
Document checks (25 pages each)
​
Lawyer letters and calls on your business’s behalf (6 per year)
​
Debt collection letters (6 per year)
​
Legal research on your business’s behalf
​
IRS audit help (up to 15 hours)
​
Trial defense hours (pre-trial and trial hours)
​
Business health check*
​
E-Signatures and online notarization*
​
Discount on additional services – 15%

*See table below for full details.

Compare Plans

Small Business Premium

$152.95
/mo

billed annually at$1,835.46

Most Popular

Small Business Preferred

$89.95
/mo

billed annually at$1,079.46

Small Business Basic

$53.95
/mo

billed annually at$647.46

2
1
1
10
5
2
​
​
​
100 per year (50 pages each)
12 per year (35 pages each)
6 per year (25 pages each)
Unlimited
12 per year
6 per year
Unlimited
12 per year
6 per year
​
​
​
Up to 90 hours
Up to 45 hours
Up to 15 hours
1st Year: 4 pre-trial hours, 20 trial hours

2nd Year: 8 pre-trial hours, 40 trial hours

3rd Year: 12 pre-trial hours, 60 trial hours

4th Year: 16 pre-trial hours, 75 trial hours

5th Year and beyond: 20 pre-trial hours, 90 trial hours
1st Year: 3 pre-trial hours, 15 trial hours

2nd Year: 6 pre-trial hours, 30 trial hours

3rd Year: 9 pre-trial hours, 45 trial hours

4th Year: 12 pre-trial hours, 60 trial hours

5th Year and beyond: 15 pre-trial hours, 75 trial hours
1st Year: 2 pre-trial hours, 10 trial hours

2nd Year: 4 pre-trial hours, 20 trial hours

3rd Year: 6 pre-trial hours, 30 trial hours

4th Year: 8 pre-trial hours, 40 trial hours

5th Year and beyond: 10 pre-trial hours, 50 trial hours
2 per year
1 per year
1 per year (after 6 months)
Unlimited
Unlimited
1 per year
Unlimited
10 per year
1 per year
Advice on out-of-state matters

Unlimited document checks on out-of-state matters per year

Unlimited phone calls/letters sent for out-of-state matters per year
Advice on out-of-state matters

1 document check on out-of-state matters per year

1 phone call/letter sent for out-of-state matters per year
Advice on out-of-state matters
25%
20%
15%
​
​
​

Customize your plan with add-ons for a small additional fee.

Business Plus
Add this supplement to your LegalShield Small Business Plan and get extra support for your business.
Learn More
Headset support call us icon.
Don’t see your issue? Call us to talk through yours.
Every situation is unique. Give us a call to understand your next steps.
Smiling small business owner in an apron stands with arms crossed at his shop doorway.

How it works

Pick your plan and enroll in a membership in minutes.

Speak with an experienced lawyer who knows your state's laws.

Get advice, a document reviewed, and prepare to take action on your matter without additional hourly fees.

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Frequently Asked Questions

Yes. Every LegalShield Small Business Plan includes debt collection letters written by your provider law firm: 6 a year on SMB Basic, 12 on SMB Preferred and unlimited on SMB Premium. You also get advice on business legal matters, and document checks for the contracts behind the debt.

Not always, but it can help. Many owners send their own reminders first. A lawyer helps when reminders go unanswered, the client disputes the amount, or you're weighing a lawsuit. With a LegalShield Small Business Plan, you can call your provider law firm and talk it through before you decide.

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$59.95 a month for SMB Basic, $99.95 for SMB Preferred, and $169.95 for SMB Premium. Collection letters within your plan's yearly allowance are part of your membership. Work outside of the plan, like filing a lawsuit or additional collection letters, comes at 15%, 20% or 25% off the firm's standard hourly rate. Contingency and flat-fee arrangements don't qualify for the discount.

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It depends on the debt and how hands-on you want to be. With a LegalShield Small Business Plan, your provider law firm can send collection letters as part of your membership. The firm can also advise on whether a collection agency, a payment plan, or a lawsuit makes sense for each debt.

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Debt collection letters have no waiting period. Once your membership is active, open an intake with your provider law firm including the contract and the debtor's details.

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Legal advice covers both in-state and out-of-state matters. SMB Basic and SMB Preferred cover other services for matters in your headquarters state, and SMB Preferred adds 1 out-of-state letter or call and 1 out-of-state document a year. SMB Premium services include matters anywhere in the United States. See your plan contract for collection letter terms.

Filing a collection lawsuit is not included in LegalShield Small Business Plans, and trial defense does not cover collection actions. Your provider law firm advises on your options to file, including in small claims court. If you hire the firm to file, you get 15%, 20% or 25% off its standard hourly rate, depending on your plan.

Yes, through a LegalShield Personal Plan. Personal plans start at $39.95 a month and include advice on personal legal matters plus a letter or call on your behalf. See a plan for details.

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Instead of paying a lawyer by the hour, you pay a small fee (starting at $24.95/month for personal and $49/month for small business) and have access to an independent lawyer that will provide a huge variety of legal services without a huge legal bill. Services like consultation with a lawyer, document review, drafting of debt collection letters and defense at civil trials are included as standard benefits. Using the plan just once can save you literally thousands of dollars.

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Using the plan is as simple as signing up and contacting our team. Once you’re a member, customer support will connect you with an independent lawyer in your area who specializes in the specific legal issue with which you need help. Also, you can download our super-simple app to quickly access your legal benefits and member perks anytime.

You can use your plan as soon as your membership application is reviewed and your account is set up — typically within 1-3 business days of purchase. Once your account is active, you can connect with your provider law firm typically within 8 business hours of submitting your request.

The average lawyer in the U.S. charges between $150-$400 per hour. If you use your membership for even just a few hours a year you could easily save over $1,000. If you have a bunch of small legal issues or one rather complicated issue, you can easily save multiple thousands of dollars over hiring a lawyer directly. Not to mention the stress you’ll save by having a lawyer on call instead of trying to handle legal issues yourself. Also, the lawyers in our network often help our members recover thousands of dollars of damages or avoid thousands of dollars in fees over what they would have experienced had they tried to resolve the legal issue themselves. Obviously every member and usage situation is different, but when used correctly, your membership can easily save significant amounts of money. Not to mention savings from our member perks.

Get Help Collecting What Your Business Is Owed

Chasing down your debtors shouldn’t take you away from running your business. LegalShield Small Business Plans start at $59.95 a month.

Shop Plans
*See your plan contract for details. Additional fees, limitations, and waiting periods may apply.