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Practical articles about WIK letters, collection costs and the legal rules around demand letters.

Written in plain language for entrepreneurs, freelancers and SMEs who want to improve their debtor management.

The difference between a reminder and a WIK letter

A reminder and a WIK letter are not the same. Learn the difference and when to send which.

You cannot simply charge collection costs. Learn when it is allowed and which rules apply.

Must a WIK letter be sent by post or is email also valid? Everything about legal validity of digital demand letters.

Do you have to charge VAT on collection costs? And can you pass that on to your debtor? Clearly explained.

How to calculate statutory interest? Current 2026 rates, the difference with commercial interest and a calculation example.

Compare costs, advantages and disadvantages of a collection agency versus collecting debts yourself.