Options for Missouri Business Owners to Collect Unpaid Debts
Finder Law Serves Clients Across Jefferson City, Columbia, and Central Missouri
Alyssa Finder • February 18, 2026
Running a business in Missouri often involves extending credit to customers, clients, or other businesses. While most customers pay their bills on time, unpaid debts can create significant cash flow issues and affect the overall health of your business. Fortunately, Missouri law provides several avenues for business owners to pursue collection of unpaid debts.

Understanding your options and the proper legal procedures can help you recover the money you are owed efficiently and effectively.
Initial Steps to Collect an Unpaid Debt
Before pursuing formal legal action, there are several steps Missouri business owners can take to collect debts:
1. Send a Demand Letter
A written demand letter can serve as a formal request for payment. This letter should clearly state:
- The amount owed
- The due date
- Any applicable interest or late fees
- A deadline for payment before further action is taken
A demand letter often prompts payment without the need for court involvement.
2. Negotiate Payment Arrangements
Some businesses successfully collect debts by negotiating payment plans or settlements. This approach may preserve the business relationship while ensuring some or all of the debt is repaid.
3. Use Internal Collection Efforts
Internal efforts, such as contacting the customer by phone or email, sending reminders, or using your in-house collections department, can sometimes resolve debts without legal intervention.
Legal Options for Debt Collection in Missouri
Internal efforts, such as contacting the customer by phone or email, sending reminders, or using your in-house collections department, can sometimes resolve debts without legal intervention.
1. Small Claims Court
Missouri’s small claims court is designed for relatively minor debt disputes. Key points include:
- Handles claims up to $5,000
- Simplified and faster procedures
- Parties may represent themselves, though legal counsel is allowed
2. Circuit Court Lawsuits
For larger debts, filing a lawsuit in Missouri circuit court may be appropriate. This allows you to:
- Seek the full amount owed plus interest and costs
- Request post-judgment remedies if the court rules in your favor
- Potentially recover attorney’s fees if allowed by contract or statute
3. Mechanic’s Liens or Commercial Liens
Certain types of businesses, such as contractors or service providers, may have the right to place a
mechanic’s lien or other statutory liens on property until payment is made.
4. Garnishment or Execution of Judgments
Once a court issues a judgment, Missouri law allows creditors to collect through wage garnishment, bank account garnishment, or seizure of property. These remedies help enforce payment when a debtor refuses to pay voluntarily.
Tips for Missouri Business Owners
- Document everything: Keep detailed records of invoices, contracts, communications, and payment history.
- Include clear payment terms: Written agreements with due dates, interest, and late fees can strengthen your case.
- Act promptly: The sooner you pursue collection, the more likely you are to recover your debt.
- Understand your legal options: Different remedies may apply depending on the size of the debt and the type of business.
Talk to a Missouri Business Law Attorney
Collecting unpaid debts can be complex, and pursuing legal remedies incorrectly may delay or jeopardize recovery. An experienced Missouri business attorney can help you:
- Evaluate your options for debt collection
- Draft demand letters and negotiate settlements
- File lawsuits or liens if necessary
- Enforce judgments through garnishment or property seizure
If you need help collecting unpaid debts for your Missouri business,
contact Daniel Finder at Finder Law, LLC to schedule a consultation. Legal guidance can help you recover what you are owed while minimizing disruption to your business.
This blog is for informational purposes only and does not constitute legal advice. For specific guidance, please contact our office directly.
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