19 min read
The FDCPA Won't Help You Collect That Unpaid Invoice: A Small Business Owner's B2B Collection Playbook
The Fair Debt Collection Practices Act covers consumer debt collected by third parties, so it does not govern a business chasing its own overdue B2B invoices — contract law, UCC Article 2, and state unfair-practice statutes do. This guide explains the two FDCPA tests most commercial receivables fail, and gives a five-step recovery sequence from contract clauses and a follow-up cadence through demand letter, small claims or a 15–40% contingency agency, and judgment enforcement.
Mike Thrift
accounts-receivablecollections-managementcash-flow