Don’t Let Unpaid Invoices Ruin Your Holiday Season
December 2025 Edition
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Do You Have Unpaid Invoices Before Christmas?
December should be a great month for business, but for many sole traders and SMEs it’s the most stressful time of year. Clients slow down, accounts departments go on leave, jobs wrap up late, people are travelling and everyone wants to push everything into January. Suddenly, you’re left with chasing unpaid invoices right when cash flow matters most and people are least likely to want to pay because of their own holiday spending commitments.
The good news is that there are practical and quick steps you can take before Christmas to increase your chance of getting paid and keep cash flow steady.
1. Start with a phone call (it works more often than you think). Before going straight to legal action, make a follow up call. December is a busy time for everyone, and many invoices aren’t paid because they simply fall through the cracks. Then, send a follow-up email with the original invoice attached, check if anything further is needed and give them a clear but reasonable timeframe to action payment (e.g. within 2 business days). If this is ignored, or payment isn’t received, it’s time to remove all uncertainty.
2. Send a second follow-up email and make sure you refer to the agreed payment terms, confirm the overdue amount and new deadline (e.g. end of day), and be clear that you may need to escalate the matter to debt recovery if payment isn’t received. Then, if that doesn’t result in payment, you take legal action.
3. Engage a law firm to send a formal letter of demand. This sets out what is owed, the basis of the debt, the evidence supporting it and a strict deadline for payment (usually 7-14 days). Most importantly, this shows your client or customer that you’re willing to take further action if required. Many of our clients see action after taking this step.
Before engaging a lawyer to send a Letter of Demand or start recovery action, it’s important to make sure the debt justifies the cost. As a general guide, having a law firm prepare a formal Letter of Demand will usually cost around $330, depending on the complexity and the amount of supporting documents involved. For most businesses, it becomes worthwhile to involve a lawyer once the debt is around $1,000–$1,500 or more, or where the debtor has been consistently avoiding payment. For smaller amounts, a strong self-written reminder or final notice may be the more cost-effective option. That said, if the unpaid amount is linked to ongoing services, a difficult client, or you’re concerned about deeper issues (like insolvency), seeking early advice can prevent bigger losses or issues down the track.
4. If the debt is small to moderate, your state or territory’s civil tribunal may be the quickest and most cost-effective option. Every state has its own tribunal (e.g. QCAT in Qld, NCAT in NSW, VCAT in Victoria), each with different monetary limits and processes. You often don’t need a lawyer to file, though getting legal guidance can strengthen your evidence and submissions. Importantly, tribunal applications can usually be lodged online at any time, even over the holiday period and hearing dates for matters lodged in December/January are typically allocated early in the new year (so act sooner rather than later on this). For larger or more complex debts, the Magistrates/Local, District/County or Supreme Court may be more appropriate, and your lawyer can advise you on what this involves.
5. If you know payment won’t come before Christmas, there are several strategic measures that can protect you in the new year:
- Collate all quotes, invoices, emails, texts, delivery records.
- Stop providing further goods or services until the debt is paid.
- Review overdue accounts and consider whether stronger terms (deposits, staged payments, written contracts) are needed for 2026.
These measures put you back in control and assist in preventing the issue from growing.
If the amount is significant, the debtor is unresponsive, or you think they’re trying to delay things until everyone is on leave for the holidays, getting legal advice early often saves money and stress. A short conversation with our litigation team can help you understand your rights, choose the fastest pathway, and avoid wasting time on steps unlikely to succeed.
Disclaimer:
This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
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10 September 2026
Bought off-the-plan and the developer is trying to cancel your contract? Don’t assume it’s the end of the road. Buying property is exciting, but buying off the plan comes with a unique risk: you are committing to a home or investment before it has been built. If completion is delayed and the developer later tries to walk away from the contract, buyers can be left uncertain about their rights, their deposit and the property they hoped to secure. That issue was recently considered by the Queensland Supreme Court in a case involving Chevron One Apartments on the Gold Coast, Queensland. CJM Lawyers acted for one of the purchasers in successfully disputing the developer’s right to terminate. The Court declared the contracts valid and binding, reinforcing an important message for buyers: if you receive a termination notice, it is worth getting legal advice before assuming your contract is over. What Is an Off-the-Plan Property? An off-the-plan property is a property purchased before construction is complete. Instead of buying an existing apartment, townhouse or home, the buyer enters into a contract based on plans, specifications and development documents. This type of purchase can appeal to buyers who want to secure a property early, plan a future move, arrange finance over time or invest before a project is complete. However, because construction and registration can take months or even years, off-the-plan contracts often include strict timelines and conditions that buyers need to understand before settlement. What Is a Sunset Clause? A sunset clause sets a deadline for important steps in a development to be completed. In an off-the-plan contract, this may include registration of the plan, creation of title, completion of construction or settlement. If the deadline passes and the required steps have not happened, the contract may give one or both parties a right to end the contract. However, that right is not always automatic – especially where a developer is relying on the clause to cancel the contract. The wording of the contract, the reason for the delay and any relevant legal requirements all need to be carefully considered. A Recent Win for Property Buyers CJM Lawyers recently acted for one of the purchasers in Supreme Court proceedings concerning the Chevron One development on the Gold Coast. The purchasers had entered into off-the-plan contracts in 2021, with settlement to occur by dates set several years later. When those dates passed, the developer sought to end the contracts. The buyers refused to accept the terminations and took the matter to the Supreme Court. CJM Lawyers acted for one of the purchasers in successfully disputing the developer’s right to terminate. The Queensland Supreme Court declared the contracts valid and binding. Critically, the Court found no basis for allowing the developer to benefit from its own breach of contract. The developer's attempt to point to pandemic-related supply chain disruptions as justification for termination was also rejected. What Should Buyers Do If a Developer Tries to Terminate? If a developer sends you a sunset clause termination notice, do not assume your contract is over. Whether the termination is valid may depend on the wording of the contract, the reason for the delay, the timing of the notice and the steps taken by each party. You should seek legal advice as soon as possible if your development has experienced lengthy delays, you have received a termination notice, a developer is relying on a sunset clause, or you are unsure whether your contract is still binding. Getting advice early can help you understand your rights before you accept a refund, sign documents or make decisions that may affect your legal position. How CJM Lawyers Can Help CJM Lawyers can assist buyers with off-the-plan property disputes, sunset clause issues and proposed contract terminations. Our Litigation team can review your contract and supporting documents, assess whether a termination is likely to be valid, explain your options, negotiate with developers and represent you in court proceedings where necessary. If your developer is trying to cancel your off-the-plan contract, speak with CJM Lawyers before accepting a refund, signing further documents or walking away from a property you still want to secure. Disclaimer: This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
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By September 2026 Edition
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Bought off-the-plan and the developer is trying to cancel your contract? Don’t assume it’s the end of the road. Buying property is exciting, but buying off the plan comes with a unique risk: you are committing to a home or investment before it has been built. If completion is delayed and the developer later tries to walk away from the contract, buyers can be left uncertain about their rights, their deposit and the property they hoped to secure. That issue was recently considered by the Queensland Supreme Court in a case involving Chevron One Apartments on the Gold Coast, Queensland. CJM Lawyers acted for one of the purchasers in successfully disputing the developer’s right to terminate. The Court declared the contracts valid and binding, reinforcing an important message for buyers: if you receive a termination notice, it is worth getting legal advice before assuming your contract is over. What Is an Off-the-Plan Property? An off-the-plan property is a property purchased before construction is complete. Instead of buying an existing apartment, townhouse or home, the buyer enters into a contract based on plans, specifications and development documents. This type of purchase can appeal to buyers who want to secure a property early, plan a future move, arrange finance over time or invest before a project is complete. However, because construction and registration can take months or even years, off-the-plan contracts often include strict timelines and conditions that buyers need to understand before settlement. What Is a Sunset Clause? A sunset clause sets a deadline for important steps in a development to be completed. In an off-the-plan contract, this may include registration of the plan, creation of title, completion of construction or settlement. If the deadline passes and the required steps have not happened, the contract may give one or both parties a right to end the contract. However, that right is not always automatic – especially where a developer is relying on the clause to cancel the contract. The wording of the contract, the reason for the delay and any relevant legal requirements all need to be carefully considered. A Recent Win for Property Buyers CJM Lawyers recently acted for one of the purchasers in Supreme Court proceedings concerning the Chevron One development on the Gold Coast. The purchasers had entered into off-the-plan contracts in 2021, with settlement to occur by dates set several years later. When those dates passed, the developer sought to end the contracts. The buyers refused to accept the terminations and took the matter to the Supreme Court. CJM Lawyers acted for one of the purchasers in successfully disputing the developer’s right to terminate. The Queensland Supreme Court declared the contracts valid and binding. Critically, the Court found no basis for allowing the developer to benefit from its own breach of contract. The developer's attempt to point to pandemic-related supply chain disruptions as justification for termination was also rejected. What Should Buyers Do If a Developer Tries to Terminate? If a developer sends you a sunset clause termination notice, do not assume your contract is over. Whether the termination is valid may depend on the wording of the contract, the reason for the delay, the timing of the notice and the steps taken by each party. You should seek legal advice as soon as possible if your development has experienced lengthy delays, you have received a termination notice, a developer is relying on a sunset clause, or you are unsure whether your contract is still binding. Getting advice early can help you understand your rights before you accept a refund, sign documents or make decisions that may affect your legal position. How CJM Lawyers Can Help CJM Lawyers can assist buyers with off-the-plan property disputes, sunset clause issues and proposed contract terminations. Our Litigation team can review your contract and supporting documents, assess whether a termination is likely to be valid, explain your options, negotiate with developers and represent you in court proceedings where necessary. If your developer is trying to cancel your off-the-plan contract, speak with CJM Lawyers before accepting a refund, signing further documents or walking away from a property you still want to secure. Disclaimer: This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
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Our Latest Story
By September 2026 Edition
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10 September 2026
Bought off-the-plan and the developer is trying to cancel your contract? Don’t assume it’s the end of the road. Buying property is exciting, but buying off the plan comes with a unique risk: you are committing to a home or investment before it has been built. If completion is delayed and the developer later tries to walk away from the contract, buyers can be left uncertain about their rights, their deposit and the property they hoped to secure. That issue was recently considered by the Queensland Supreme Court in a case involving Chevron One Apartments on the Gold Coast, Queensland. CJM Lawyers acted for one of the purchasers in successfully disputing the developer’s right to terminate. The Court declared the contracts valid and binding, reinforcing an important message for buyers: if you receive a termination notice, it is worth getting legal advice before assuming your contract is over. What Is an Off-the-Plan Property? An off-the-plan property is a property purchased before construction is complete. Instead of buying an existing apartment, townhouse or home, the buyer enters into a contract based on plans, specifications and development documents. This type of purchase can appeal to buyers who want to secure a property early, plan a future move, arrange finance over time or invest before a project is complete. However, because construction and registration can take months or even years, off-the-plan contracts often include strict timelines and conditions that buyers need to understand before settlement. What Is a Sunset Clause? A sunset clause sets a deadline for important steps in a development to be completed. In an off-the-plan contract, this may include registration of the plan, creation of title, completion of construction or settlement. If the deadline passes and the required steps have not happened, the contract may give one or both parties a right to end the contract. However, that right is not always automatic – especially where a developer is relying on the clause to cancel the contract. The wording of the contract, the reason for the delay and any relevant legal requirements all need to be carefully considered. A Recent Win for Property Buyers CJM Lawyers recently acted for one of the purchasers in Supreme Court proceedings concerning the Chevron One development on the Gold Coast. The purchasers had entered into off-the-plan contracts in 2021, with settlement to occur by dates set several years later. When those dates passed, the developer sought to end the contracts. The buyers refused to accept the terminations and took the matter to the Supreme Court. CJM Lawyers acted for one of the purchasers in successfully disputing the developer’s right to terminate. The Queensland Supreme Court declared the contracts valid and binding. Critically, the Court found no basis for allowing the developer to benefit from its own breach of contract. The developer's attempt to point to pandemic-related supply chain disruptions as justification for termination was also rejected. What Should Buyers Do If a Developer Tries to Terminate? If a developer sends you a sunset clause termination notice, do not assume your contract is over. Whether the termination is valid may depend on the wording of the contract, the reason for the delay, the timing of the notice and the steps taken by each party. You should seek legal advice as soon as possible if your development has experienced lengthy delays, you have received a termination notice, a developer is relying on a sunset clause, or you are unsure whether your contract is still binding. Getting advice early can help you understand your rights before you accept a refund, sign documents or make decisions that may affect your legal position. How CJM Lawyers Can Help CJM Lawyers can assist buyers with off-the-plan property disputes, sunset clause issues and proposed contract terminations. Our Litigation team can review your contract and supporting documents, assess whether a termination is likely to be valid, explain your options, negotiate with developers and represent you in court proceedings where necessary. If your developer is trying to cancel your off-the-plan contract, speak with CJM Lawyers before accepting a refund, signing further documents or walking away from a property you still want to secure. Disclaimer: This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
By September 2026 Edition
•
3 September 2026
Buying an aircraft can be an exciting milestone, whether it is for business, recreation or private use. But aircraft purchases are not like buying a car or boat. They involve technical records, regulatory requirements and airworthiness considerations that may not be obvious at first glance. Imagine purchasing an aircraft only to later discover it is not airworthy. If a buyer assumes the right checks have already been completed, they may be left facing unexpected costs, delays and legal uncertainty after settlement. It is an important reminder that what looks right on the surface may not always tell the full story. A well-presented aircraft is not necessarily compliant, airworthy or free from risk. Why a pre-purchase inspection matters A pre-purchase inspection can help identify issues with the aircraft’s condition, maintenance history and airworthiness before the buyer commits. It can also highlight questions that should be addressed in the sale agreement. The key is knowing what has been checked, what has not been checked, and what protections are in place if something is discovered later. Things to consider before purchasing an aircraft Arrange an independent inspection before committing to the purchase. Review key records , including logbooks, maintenance history and relevant compliance documents. Confirm the aircraft’s airworthiness status rather than relying on assumptions or verbal assurances. Use a written sale agreement that clearly sets out the terms, inclusions and inspection rights. Seek advice before signing , particularly if finance, insurance, ownership structures or regulatory issues are involved. What if problems are discovered after purchase? If issues are discovered after settlement, the buyer’s options will depend on the contract, what was represented before the sale and the nature of the defect. These matters can become complicated quickly, especially where technical aircraft records and regulatory requirements are involved. How CJM Lawyers can help At CJM Lawyers, our aviation law team assists with aircraft sale and purchase agreements, due diligence, ownership structures, finance and security arrangements, leasing, regulatory issues and disputes. If you are thinking about buying an aircraft, we can help you understand the legal considerations before you commit. If you have already purchased an aircraft and something has gone wrong, we can help determine your options and advise on the best way forward. Disclaimer: This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
By September 2026 Edition
•
3 September 2026
September is a timely reminder to pause and ask a simple but important question: does your Will still reflect your life today? For many people, making a Will is one of those important jobs that sits on the “I’ll get to it one day” list. Others may have a Will in place, but it was prepared years ago and has not been reviewed since. The challenge is that life rarely stays the same. Relationships change, families grow, property is bought or sold, businesses evolve, and financial arrangements can become more complex over time. Why reviewing your Will matters A Will is not just a document for later in life. It is an important part of planning ahead and making sure your wishes are clearly recorded. It allows you to decide who should receive your assets, who should administer your estate, and how you would like important personal matters handled. Having a valid and up-to-date Will can also make things much clearer for your loved ones at an already difficult time. It can reduce the risk of confusion about who should make decisions, who should benefit from your estate, and how your wishes should be carried out. When should you review your Will? It may be time to review your Will if you have recently: married, separated or divorced welcomed children or grandchildren bought or sold property started or sold a business moved into a blended family arrangement experienced a significant change in your finances It is also worth checking whether your superannuation nominations, enduring power of attorney and other estate planning documents still work together with your Will. What your Will may not automatically cover One common misconception is that a Will automatically covers everything you own. In reality, assets such as superannuation, jointly owned property, trusts, company interests and life insurance may need separate consideration. Without the right planning, there can be uncertainty, delays, disputes or outcomes that do not reflect what you intended. How CJM Lawyers can help At CJM Lawyers, our Wills and Estates team can help you prepare a new Will, review an existing Will, update your estate planning documents, and consider how your broader arrangements fit together. Whether your circumstances are simple or more complex, we can provide clear, practical guidance to help you plan ahead with confidence and give your loved ones greater peace of mind. Contact our Wills and Estates team today to get started. Disclaimer: This article provides general information only and does not constitute legal advice. The information may not apply to your circumstances and should not be relied on as a substitute for tailored legal advice. If you need advice, please contact CJM Lawyers to speak with one of our legal professionals.
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