StipulateA claim is not uncollectible. It is uncollectible relative to what collecting costs.
Stipulate reads the contract on a past-due commercial account, finds the provisions that move enforcement costs from the creditor to the debtor, and drafts the demand letter — ready to send. No attorney required. The creditor collects in its own name and keeps everything it recovers.
This is why the account is written off. Not because the claim is weak — because the math is. Figures are illustrative; enforcement cost varies with forum, posture and how hard the debtor fights.
Nothing about the claim changed. The provision that reassigns the cost was already in the agreement — nobody read for it, because reading every contract by hand costs more than the claims are worth.
What Stipulate does
From aging receivable to demand letter — automatically
Reads the contract
The engine scans the agreement for fee-shifting clauses, interest provisions, and collection-cost language across all 51 jurisdictions. What used to require an attorney's review happens in seconds.
Drafts the demand letter
When a qualifying provision is found, Stipulate produces a jurisdiction-correct demand letter addressed to the debtor — ready to review and send. No outside counsel, no billable hours.
Connects to your books
Integrates with QuickBooks, Xero, FreshBooks, and NetSuite. When an invoice ages past your threshold, the engine runs automatically and the letter is waiting in your account.
The rest of the site
What it reads, where it works, and who licenses it
How it works
The contractual and statutory provisions the engine reads for, and what it reports for each account.
Read more →Coverage
Fifty-one jurisdictions, and a refusal to guess at a deadline.
Read more →Licensing
Licensed to the business that already holds the receivable. The claim never changes hands.
Read more →Demo
Paste an agreement and see the provision it finds, the deadline that governs and the demand it drafts.
Run it →Evaluating it
Run your own receivables through the engine
Evaluation runs against a licensee's actual aging file. Create an account to get started, or contact us to arrange a custom evaluation.
Create account →