Collections . Agency OS

What it does

Takes the list of unpaid invoices you paste in, sorts each one into an overdue bucket (0-30, 30-60, 60-90 and 90+ days past due), totals what is outstanding, and tells you who to chase today, oldest and largest first. Then it drafts a firm-but-friendly follow-up message for each client in your voice, with the tone escalating as the invoice gets older: a light nudge for something a couple of weeks late, a direct message naming next steps for something months overdue. Every draft goes through a pre-ship quality gate before it is presented as ready to send. You send it. The skill does not.

By default it is a fast chase tool with no memory: you paste your current open invoices from wherever you already bill, it works on exactly that list, and nothing is stored. If you want it to remember between runs, say keep the ledger and it switches on an optional ledger: a plain, readable file listing each invoice with its amount, due date, when it was first seen, when it was last chased and its current status. On your next paste it reconciles the old list against the new one, so it can tell you what got paid, what is still open, and who has already been nudged.

Say this to start

This skill has no button. You start it by saying what you want. Any of these will do it:

> who owes me money?

> chase overdue invoices

> age my receivables

> draft a payment reminder

> what happened to the invoices from last time?

When to reach for it

you have a pile of unpaid invoices and no idea which one to chase first
you keep putting off the awkward payment email and want a draft that already strikes the right tone
you want the outstanding total, and how much of it is seriously overdue, in one summary
a client has drifted past the ninety-day mark and you need a firmer message that stays professional
you chase invoices every week or fortnight and want the run to remember who was nudged last time

When NOT to use it

If you actually want	Use this instead
real accounts receivable: partial payments, credit notes, multi-currency statements, payment plans	billing software. The skill will tell you the same thing when your situation outgrows it.
invoices created and sent automatically, or a sync with your billing tool	your billing software does both; this skill only reads what you paste
an automated reminder sequence that fires on a schedule without you	`email-sequence`, and accept that automated sending is a different risk than a personal chase
to know which clients are worth keeping, not just which ones owe you	`profit-by-client`
to negotiate a disputed invoice or a client who is refusing to pay	that is a conversation, not a template; use `sales-closer` to prepare for the call

Before you start

What you need	Why
Your current unpaid invoices, pasted as a list or small table: client, amount, due date. A line like `Harbor Print Co, 1,850, due 14 May` is enough	the paste is the entire input and the source of truth; the skill only works on what you give it	Required
A due date on each line, or at least the invoice date	an invoice with no date at all cannot be aged; it gets flagged and excluded from the buckets rather than guessed at	Required
A spreadsheet or PDF export instead of a paste	dropped files are parsed through the file-reading skills, so an export from your billing tool works as well as typing	Optional
Brand voice on file	chase drafts are written in your voice when it is available; without it they default to a professional neutral tone	Optional
A decision on the ledger: say keep the ledger if you want memory between runs	ledger mode is opt-in only; it is never assumed, and without it nothing is stored between runs	Optional
Your actual late-payment terms, if you have any	the drafts will only reference fees, interest or consequences you have stated yourself; the skill never invents them	Optional

How it runs

Read the pasteParses your list, one invoice per line or a small table. A dropped spreadsheet or PDF is read through the file-parsing skills first.
Age every invoiceMeasures each invoice from its due date to today and places it in a bucket: 0-30, 30-60, 60-90 or 90+ days overdue. If only an invoice date exists it uses that instead, and says so. An invoice with no date is flagged, never guessed.
SummarizeReports the total outstanding, the total overdue, and the amount sitting in each bucket. It sums only what you pasted; no totals are invented or carried in from anywhere else.
Prioritize the chaseRanks what to chase today, oldest and largest first, and flags anything past ninety days as needing a firmer step or a phone call rather than another email.
Draft the follow-upsWrites a ready-to-send message per client or per bucket, in your voice, with tone escalating by age: light nudge, clear ask, firm and specific, then direct with named next steps. No fabricated fees, no legal threats, no terms you have not stated.
Quality gateRuns every draft through the critique pre-ship gate before presenting it as ready to send.
Reconcile the ledger, if you opted inOnly when you have said keep the ledger: updates the receivables file. New invoices are added, chased-on dates update when a draft ships, and any invoice missing from the new paste is marked presumed paid [CONFIRM]. Nothing is ever deleted silently, and nothing is ever confirmed as paid without you.

What you get

An aged receivables summary: total outstanding, total overdue, and the amount in each bucket, with the date basis stated
A prioritized chase list for today, with anything past ninety days flagged for a firmer step or a call
A ready-to-send draft per client or bucket, tone matched to how overdue the invoice is, already passed through the quality gate
A clear flag on any invoice that could not be aged, with what is missing and how to include it next time
In ledger mode only: an updated receivables file you can open, read and hand-edit, showing each invoice's status, first-seen date and last-chased date

Honest limits

Read this before you rely on it

An invoice with no due date cannot be aged. It is flagged and excluded from the buckets, and the skill asks you for the date rather than inventing one. A summary that quietly guessed dates would be worse than no summary.
Drafts escalate in tone as invoices age, but they never fabricate late fees, interest, or legal threats. If your terms include real consequences, you supply them; the skill will not write a threat you cannot back.
You send everything. The skill drafts and stops. Nothing goes to a client unless you send it yourself, which also means nothing gets sent by accident.
It is not an accounts-receivable system. No sync with billing software, no partial payments, no credit notes, no multi-currency. When your business needs those, the honest answer is billing software, and the skill says so.
The ledger is a memory, not a record of payment. presumed paid [CONFIRM] means an invoice disappeared from your paste, nothing more. Confirm against your bank or billing tool before you count it as collected.

Where people go wrong

The mistake	Do this instead
Expecting the skill to email the client	It drafts, you send. Read the draft, adjust anything personal to the relationship, then send it from your own account.
Pasting amounts with no dates and expecting an aged summary	Include a due date per line. Undated invoices are flagged and left out of the buckets, so the summary only covers what carries a date.
Asking for a late fee or legal warning to be added for pressure	The skill only references terms you have actually set. If you want a fee, put it in your payment terms first, then tell the skill what those terms say.
Assuming it remembers last week's invoices	By default it holds no state between runs. Say keep the ledger once and it will track the list from then on.
Treating `presumed paid [CONFIRM]` as money in the bank	It only means the invoice left your paste. Check your bank or billing tool, confirm it, then update the ledger row.
Stretching it into your AR system as the business grows	The moment partial payments, credit notes or multi-currency appear, move collections into billing software and keep this as the drafting layer on top.

Worth knowing

The best chase cadence is boring: a short, friendly nudge the week an invoice goes overdue beats a masterpiece written at day ninety. Clients pay the invoices that keep politely showing up. Run this weekly with the ledger on and the escalation takes care of itself, because each invoice simply gets the message its age deserves.