Every unpaid invoice, until it’s paid.
DebtFlow takes your claims from the first reminder all the way to enforcement: reminders by email and post, instalment plans, deadlines and interest. Built for freelancers, small businesses, landlords and law firms.
- Day 0due
- Day 3reminder
- Day 172nd reminder
- Day 31final reminder
- Courtpayment order
- Judgmentenforcement
One claim, from due to paid
42 seconds, no sound, with subtitles: reminder, letter by post, instalment plan, paid. Everything you see comes from the demo account.
What happens to a claim
The days shown are the default settings. You decide the intervals, how reminders are sent and whether DebtFlow sends them automatically at all.
- Day0
Add the claim
your call
The debtor with address and contact details, the amount, the due date and supporting documents. From here on, the claim has a history in which every step is recorded with its date.
Invoice 2026-114Muster Bau GmbH€500.00 · due 14/10/2026
The example claim in the demo account on day 21: the reminder and the second reminder have gone out and €95.00 has been paid. The phase bar shows where it stands. - Day3
Payment reminder
automatic
With automatic reminders switched on, the debtor receives a payment reminder by email three days after the due date: friendly, with ten days to pay, your bank details and the payment reference.
Subject: Payment reminder – invoice 2026-114Payable by: 27/10/2026Payment reference: 2026-114
Settings → Reminders: automatic reminders on or off, the interval between stages and whether reminders also go out by post by default. - Day17
Second reminder, by post if you like
automatic
Fourteen days later, the second reminder follows. It can also go out as a real letter: DebtFlow hands it to Briefdiener, a German print-and-mail service that prints and posts it. 10 letters a month are included in the subscription. For registered letters, you see the delivery status right in the claim.
Reminder · invoice 2026-114Amount outstanding: €405.00Sent by: email + letter
Letters can also be sent by hand: choose the type and, if you like, send it as a registered letter. Your remaining quota is shown right below. - Day31
Final reminder
automatic
The third stage sets a seven-day deadline and announces the court dunning procedure (gerichtliches Mahnverfahren). After that, DebtFlow stops sending reminders: what happens next is up to you.
Before sending, you see the letter exactly as it will be printed: sender, recipient, amount outstanding, deadline and bank details. - any time
Instalments
your call
If the debtor offers to pay in instalments, you set up an instalment plan. DebtFlow reminds them before each instalment and lets you know when one is due or overdue. Every payment is credited to the claim.
Instalment plan: 3 × €135.00Instalment 2 of 3 · due 15/11/2026
Instalment plan for another claim in the demo account: 6 × €300.00, three instalments received. - Court
Court dunning procedure
your call
Payment order (Mahnbescheid), objection, hearing, judgment: each phase has its own status in the claim, with deadlines, costs and documents in one place.
- Judgment
Enforcement
your call
With an enforceable title (Vollstreckungstitel), you can move on to enforcement, for example by garnishing a bank account or wages. DebtFlow calculates default interest to the day under section 288 of the German Civil Code (BGB), using the current base rate; the statement of claim allocates payments under section 367 BGB.
Base rate since 01/07/2026: 1.52%Default interest, consumers: 6.52%Default interest, businesses: 10.52%
Weekly report
Every Monday by email: payments received, overdue amounts and letters sent in the past seven days.
App for iOS and Android
Claims and payments on the go, with push notifications – the same account as in your browser.
Documents
Invoices, contracts and correspondence are attached to the claim they belong to.
Data in the EU
Stored in data centres in the EU and only ever transferred encrypted.
What’s open today is right at the top
The overview shows overdue claims, instalments due and the latest payments. Every debtor has a page with their address, contact details and all their claims.
The same account, on the go
With the app for iOS and Android, you can check claims and payments wherever you are and get push notifications, for example when an instalment is due. You sign in just as you do in the browser.
Also for collection agencies and law firms
If you manage claims on behalf of others, you need clients, enforceable titles and accurate interest calculations. It’s all in the same account – no second program needed.
- Manage clients and keep claims per client
- Record enforceable titles with court, case number and date
- Interest per claim, with base rates kept up to date
- Statement of claim with interest calculator as a PDF
You pay per debtor, not per feature.
€5.00per debtor per month · excl. VAT, businesses only
You can change the number at any time in your account; changes are charged pro rata. Once your account is approved, you can add one debtor without a subscription.
- Debtors, claims, payments and documents
- Automatic three-stage email reminders
- 10 letters a month by post
- Instalment plans with reminders
- Court proceedings, enforceable titles and enforcement
- Weekly report and app for iOS and Android
Frequently asked questions
- Who is DebtFlow for?
- For freelancers, small businesses and landlords who want to chase unpaid invoices themselves, and for collection agencies and law firms that manage claims for clients. DebtFlow is software: we do not collect debts on your behalf and we do not provide legal advice.
- How do automatic reminders work?
- Once you switch them on in the settings, DebtFlow checks your open claims every day. If a claim is overdue, the debtor receives the next reminder stage by email, provided an email address is on file – up to the third reminder. For each claim, you can also choose to send reminders by post.
- How does sending letters by post work?
- Reminders are printed and delivered as letters by the German mail service Briefdiener. A monthly letter quota is included in the subscription. Alternatively, you can connect your own Briefdiener account and letters are then sent through it.
- How much does DebtFlow cost?
- You pay €5.00 per debtor per month (excl. VAT, businesses only). You can change the number of debtors at any time; changes are charged pro rata.
- Can I try DebtFlow first?
- Yes. Signing up is free. Once you have confirmed your email address, we review your account and usually approve it within one working day. You can then add one debtor without a subscription.
- Where is my data stored?
- Claim and debtor data is stored in data centres in the EU and transferred encrypted. You’ll find the details in our privacy policy.
Day 0 is today.
Create an account, add your first unpaid invoice, switch on automatic reminders. Everything else is described above.