Tips on How to Call and Email Your Borrowers Who Are Late on Payments


If somebody owes you money and they are late on a payment, you can feel rather anxious to get that money as soon as possible. However, it is important to know that there are various laws regarding debt communications that you can break by harassing your borrower over the phone, pressuring them to pay, and even contacting them at inconvenient times of the day. You will need to value the borrower’s time so that they can have time to themselves to prepare to respond to your concerns in one way or another.

Debt collection in Germany works in similar ways compared to other parts of the world. If you aren’t sure how to act when a borrower doesn’t send you a payment on time, do not panic. Prepare to call or email your borrower at a time that is convenient to you and remember to use proper etiquette while doing so. Here is what to do when both calling and emailing your borrower.


Of course, the phone is the method where you can talk to your borrower and inquire about their debt. However, the borrower is not always available to talk, so any time isn’t always the best time to call them. You should find out when the caller can be available to speak with you. If calling them is the only way of finding this out, leave them a short voicemail, giving them your number and asking when a good time to speak with them is. If they call you back when you aren’t available, they will simply leave their answer to your question of when they are usually available.

When talking with the borrower over the phone, do not chew or eat anything and do not browse the internet. Your voice will sound assuring to them when you have their full attention. Remember to also introduce yourself if you have never talked with your borrower before.

If you do not consider yourself a good talker, be sure to practice with a script beforehand of what you would like to say to your borrower. If you have other employees that work with you in an office environment, you can ask them to call the borrower on your behalf, but some borrowers would definitely prefer to speak to the person that they owe money to.


While the phone is the most recommended means of calling your borrower, you can also send them an email that they can read and respond to at a time that is most convenient to them. Emails can also provide a paper trail of your conversation with your borrower.

Keep a serious and professional tone in your emails, but also be clear and concise so they know what you want from them. Shorter emails have a better likelihood of being read from start to finish. Your subject line should also be brief, yet still be significant enough for the borrower to open.

If you do not consider yourself a good writer, do not send an email with bad writing. Instead, have an in-house writer or hire a copywriter to write your initial email to your borrower for you so your borrower is able to read a clear and professional message.

Do not be rude, show disgust, and call or email them repeatedly for their debt. It is important to remember proper phone and email etiquette so you can get them to respond to you comfortably and give you the information that you need. Feel free to call us for more tips on how to deal with borrowers who fail to pay you on time.