Every overdue invoice is an interest-free loan you never agreed to give. Invoice Chase is the collection system I built for freelancers and small businesses: a live invoice tracker with auto days-overdue, a dated 5-stage escalation ladder (nudge, firm reminder, late-fee notice, stop-work, collections), 55 copy-paste message templates in 11 languages, a late-fee calculator, and a client risk score that sets your terms for the NEXT project. One-time $24 — no subscription, your data stays yours.