Scarlet Software Credit Manager

credit manager aims to put an affordable money-chasing tool in the hands of small businesses, with a suite of integrated programs to "reduce the cost and effort of getting paid on time". It's a clever approach, generating all your reminders, demands and, ultimately, threats, from a database on your desktop.

the applications lead in a tidy line from the credit manager, which speeds cashflow, focuses on reducing bank interest payments, boosts profitability and, in theory, cuts your collection costs. Next comes the credit controller, which lets you collect more invoices in shorter order and make you more efficient at collecting payments.

things still not happening? your on-screen debt collector will send out demands or source them to the agency of your choice and, should that fail, you can move to the solicitor, which produces a multitude of summonses and statutory demands--hopefully pre-empting the need for a call to a flesh-and-blood lawyer. --john rennie