---
# System prepended metadata

title: How to Master Post-Christmas Collections Without Being the Grinch
tags: [debt collection, finance, credit collection]

---

<h1>How to Master Post-Christmas Collections Without Being the Grinch</h1>

Don’t the holidays just fly by? For retailers and service providers, the immediate aftermath of Christmas is usually a flurry of returns, inventory checks, and, unfortunately, the sobering reality of accounts receivable (AR).
This is typically when those 30-day invoices from the pre-holiday rush start hitting their due date. And let’s be honest, consumer budgets are stretched thinner than wrapping paper after December 25th. 
We’re calling this post-Christmas period the ‘Debt Hangover’, which requires firm, consistent, and empathetic credit collection services. You risk losing the money and wrecking a good relationship with the client if you approach this like a bull in a china shop.
![premium_photo-1661381051203-61c6a255f1b0](https://hackmd.io/_uploads/B1ME3aLMWl.jpg)

So, how do you actually collect the money you’re owed when things are a bit sensitive? Let’s break it down.

<h2>Commercial Debt Collection Steps Post-Christmas</h2>

<h3><b>Step 1: Segmentation is Important - Don’t Treat Everyone the Same</b></h3>
<p>Firstly, you absolutely can’t treat every late payer as a malicious defaulter. There are several categories of debtors, and most credit collection service companies tailor their approach accordingly. 
The forgetful: These folks are usually good customers who genuinely lost track during the holiday chaos. They’ll pay immediately with a simple reminder.
The overspenders: Their budget is temporarily blown. They have the intent to pay but need flexibility. 
    The chronic defaulters: They were late before Christmas, and they’ll be late after. These are the ones who need the firmest approach.</p>

![image](https://hackmd.io/_uploads/S1n77C8Mbl.png)


<h3><b>Step 2: The Power of the Soft, Pre-Due-Date Reminder</b></h3>
<p>This is, without a doubt, any credit collection agency’s favorite preventative tactic. Around January 1st or 2nd, they send a very simple, non-aggressive email or text. It shouldn’t sound demanding but helpful. 
For example, an email that reads “Your bill is due on January 5th. Pay now to avoid penalties” is aggressive. Instead, an agency might send: “Happy New Year! Just a friendly note that Invoice #0000 for $500 is scheduled for payment on January 5th. If you’ve already paid, please ignore this note. If you need help viewing your bill, we’re here.”
You’d be genuinely surprised at how many payments roll in when you’re helpful and not hostile.</p>

![image](https://hackmd.io/_uploads/SJlTSGR8MZg.png)

 
<h3><b>Step 3: Don’t Threaten and Offer Solutions</b></h3>
<p>Your communication needs to escalate when a debt does become overdue. The focus must remain on providing a clear path to resolution. You shouldn’t lead with penalties, but with options. 
Offer payment plans: For those overspenders, a structured payment plan is a lifesaver. Maybe 3 smaller monthly installments are much easier than one large sum. Presenting this option shows you care about their financial constraints and makes them feel respected, not chased.
Discuss partial payments: Accepting a significant partial payment can often be a great way to restart communication and commitment from a client. Something is certainly better than nothing. 
Alternative payment methods: Perhaps they’re struggling to pay because of a complex online portal. Ensure you offer a variety of options, such as bank transfer, quick payment link, and more.</p>

![image](https://hackmd.io/_uploads/HypjbRIzWe.png)

 
<h3><b>Step 4: Be Consistent and Document Everything</b></h3>

<p>Consistency is the backbone of a solid collections process. If you promise to follow up in seven days, you actually have to set clear expectations and show clients you’re serious about your terms.
And don’t forget to keep a solid paper trail, so record every call, every email, every note. If the debt ever has to go to a debt collection agency or court, having everything neatly documented will speed things up and give you the upper hand.</p>

![image](https://hackmd.io/_uploads/SkYR-08GZx.png)

<h3><b>Step 5: Know When to Outsource</b></h3>
<p>If a debt hits 90 days past due, you’ve likely exhausted your internal efforts, and that’s okay. This is where you have to be pragmatic and admit your time is better spent servicing current, paying clients.
Engaging a <a href= "https://prelitigation.com/houston-credit-collection-services/"> professional credit collection agency in Houston</a> for those deep-past-due accounts is a strategic move, especially right after the holidays. Agencies, such as Nelson, Cooper & Ortiz, LLC, have specialized tools, the legal know-how, and the emotional detachment needed to pursue payment.</p>

A solution focused on segmentation, communication, and empathy has twofold benefits. You have higher chances of recovering the debt and keeping your customer relationships intact. It puts your business on a solid financial footing for the New Year.
<br>So, don’t be the Grinch. Instead, choose to be the pragmatic problem-solver!
