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<p data-start="807" data-end="1570">You should consider hiring a debt collection agency when invoices remain unpaid beyond 60&ndash;90 days despite repeated reminders. If communication with the client has broken down or they are avoiding payment, professional intervention becomes necessary. Agencies bring expertise, legal awareness, and structured recovery processes that improve chances of success. For small businesses, this also saves time and internal resources. Early action often leads to better outcomes, as older debts are harder to recover. However, evaluate the cost versus the debt value before proceeding. Hiring an agency too late may reduce recovery probability, while hiring too early could impact client relationships unnecessarily.

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