{"id":86349,"date":"2026-01-06T16:51:34","date_gmt":"2026-01-06T15:51:34","guid":{"rendered":"https:\/\/invoicefly.com\/?p=86349"},"modified":"2026-02-13T11:09:56","modified_gmt":"2026-02-13T10:09:56","slug":"deudores","status":"publish","type":"post","link":"https:\/\/invoicefly.com\/es\/academy\/debtors\/","title":{"rendered":"Deudores en Contabilidad: Significado, Ejemplos y C\u00f3mo Funcionan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"86349\" class=\"elementor elementor-86349\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e29b53e e-flex e-con-boxed e-con e-parent\" data-id=\"2e29b53e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61184b7b elementor-widget elementor-widget-text-editor\" data-id=\"61184b7b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\n<p>A debtor is any person or business that owes money, goods, or services to another party (usually because they received value first and will pay later). In day-to-day accounting, \u201cdebtors\u201d often show up as customers who haven\u2019t paid an invoice yet. An important detail that affects cash flow, reporting, and collections.<\/p>\n\n\n\n<p><strong>This guide will cover:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What debtors are in accounting and where they appear in your books<\/li>\n\n\n\n<li>Debtor rights, obligations, and what happens if payment doesn\u2019t come in<\/li>\n\n\n\n<li>The difference between debtors and creditors\u00a0<\/li>\n\n\n\n<li>How debtors affect your balance sheet, reporting, and collections process<\/li>\n\n\n\n<li>Best practices for managing customer payments and reducing late invoices<\/li>\n<\/ul>\n\n\n\n<p><strong>Before we get into the details:<\/strong> if you want to reduce confusion with customers and get paid faster, start with clear invoices from day one. Invoice Fly\u2019s<a href=\"https:\/\/invoicefly.com\/product\/invoicing-software\/\"> invoicing software<\/a> helps you send professional invoices, track payment status, and follow up consistently\u2014so fewer customer accounts drift into \u201coverdue.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-debtors-in-accounting\"><strong>What Are Debtors in Accounting?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-orders.jpg\" alt=\"Small business owner reviewing orders and invoices on a tablet\" class=\"wp-image-86351\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-orders.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-orders-300x200.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-orders-768x512.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/small-business-owner-orders-710x474.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>In accounting, debtors are people or organizations that owe your business money because they\u2019ve already received your goods or services but haven\u2019t paid yet. This is most common when you offer <a href=\"https:\/\/invoicefly.com\/academy\/invoice-payment-terms\/\">payment terms<\/a> like \u201cNet 15\u201d or \u201cNet 30.\u201d<\/p>\n\n\n\n<p>Think of debtors as the <em>unpaid sales<\/em> side of your business\u2014still valuable, but not cash in the bank. Debtors matter because they:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Impact your <a href=\"https:\/\/invoicefly.com\/academy\/cash-flow-problems\/\">cash flow<\/a> (you can\u2019t spend what you haven\u2019t collected)<\/li>\n\n\n\n<li>Influence working capital and liquidity ratios<\/li>\n\n\n\n<li>Affect financial statements like the<a href=\"https:\/\/invoicefly.com\/glossary\/balance-sheet-definition\/\"> balance sheet<\/a> and cash flow reporting<\/li>\n<\/ul>\n\n\n\n<p>In most small businesses, debtors are tracked through accounts receivable and organized through a subsidiary ledger (customer-by-customer detail) that rolls up into your general ledger totals.<\/p>\n\n\n\n<p>After you\u2019ve created a clear billing process, good <a href=\"https:\/\/invoicefly.com\/academy\/small-business-bookkeeping\/\">bookkeeping<\/a> keeps your debtor balances from quietly piling up.<\/p>\n\n\n<div data-elementor-type=\"section\" data-elementor-id=\"67268\" class=\"elementor elementor-67268\" data-elementor-post-type=\"elementor_library\">\n<div class=\"elementor-element elementor-element-3138132 e-flex e-con-boxed e-con e-parent\" data-id=\"3138132\" data-element_type=\"container\">\n<div class=\"e-con-inner\">\n<div class=\"elementor-element elementor-element-e9bb9f2 e-con-full e-flex e-con e-child\" data-id=\"e9bb9f2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n<div class=\"elementor-element elementor-element-ef3a71f e-con-full e-flex e-con e-child\" data-id=\"ef3a71f\" data-element_type=\"container\">\n<div class=\"elementor-element elementor-element-c0d7a02 elementor-widget elementor-widget-heading\" data-id=\"c0d7a02\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n<h3 class=\"elementor-heading-title elementor-size-default\">Get Started with Invoice Fly&#8217;s Software<\/h3>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-472498a elementor-widget elementor-widget-text-editor\" data-id=\"472498a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n<p>Invoice Fly is a smart, fast, and easy-to-use invoicing software designed for freelancers, contractors, and small business owners. Create and send invoices, track payments, and manage your business \u2014 all in one place.<\/p>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-c264baf elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c264baf\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button download_app elementor-button-link elementor-size-sm\" href=\"https:\/\/invoicefly.onelink.me\/AeUs\/qohijf8g\"><br \/>\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\"><br \/>\n\t\t\t\t\t\t<span class=\"elementor-button-icon\"><br \/>\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t<\/span><br \/>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started Now<\/span><br \/>\n\t\t\t\t\t<\/span><br \/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-a9c32b8 e-con-full e-flex e-con e-child\" data-id=\"a9c32b8\" data-element_type=\"container\">\n<div class=\"elementor-element elementor-element-0915656 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"0915656\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"710\" height=\"643\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png\" class=\"attachment-keydesign-medium-image size-keydesign-medium-image wp-image-23031\" alt=\"Invoice Payments - Accept Payments Online\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png 710w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-300x272.png 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-1024x928.png 1024w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-768x696.png 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1.png 1255w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debtor-meaning-and-key-points\"><strong>Debtor Meaning and Key Points<\/strong><\/h2>\n\n\n\n<p>Here\u2019s the simplest debtor meaning <a href=\"https:\/\/www.law.cornell.edu\/wex\/debtor\" target=\"_blank\" rel=\"noreferrer noopener\">according to Cornell Law School<\/a>: <em>a debtor owes a debt.<\/em><\/p>\n\n\n\n<p>In business accounting, a debtor typically exists when:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You deliver a product or service<\/li>\n\n\n\n<li>You issue an invoice<\/li>\n\n\n\n<li>The customer hasn\u2019t paid yet<\/li>\n<\/ol>\n\n\n\n<p>A few practical points that matter for small businesses:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debtors increase when you make credit sales, and decrease when you collect payments.<\/li>\n\n\n\n<li>Strong invoice policies reduce late payments (clear terms, due dates, and follow-ups).<\/li>\n\n\n\n<li>The longer a balance stays unpaid, the higher the risk it becomes uncollectible.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debtor-rights-in-business-and-finance\"><strong>Debtor Rights in Business and Finance<\/strong><\/h2>\n\n\n\n<p>Debtors still have rights, even when they\u2019re behind on payment. In the U.S., consumer <a href=\"https:\/\/consumer.ftc.gov\/articles\/debt-collection-faqs\" target=\"_blank\" rel=\"noreferrer noopener\">debt collection<\/a> is regulated, and certain communications and tactics are restricted.<\/p>\n\n\n\n<p>In a business-to-business setting, rights and remedies can depend on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your contract terms (payment schedule, late fees, dispute windows)<\/li>\n\n\n\n<li>State laws governing collections and commercial transactions<\/li>\n\n\n\n<li>Whether the debt is secured (collateral) or unsecured<\/li>\n<\/ul>\n\n\n\n<p>If bankruptcy becomes part of the picture, \u201cdebtor\u201d can also refer to the person or entity filing for relief under <a href=\"https:\/\/www.nvb.uscourts.gov\/debtors\/\" target=\"_blank\" rel=\"noreferrer noopener\">bankruptcy<\/a> rules.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debtor-obligations-and-responsibilities\"><strong>Debtor Obligations and Responsibilities<\/strong><\/h2>\n\n\n\n<p>A debtor\u2019s responsibilities usually start with the agreement they accepted\u2014explicitly (signed contract) or implicitly (accepted quote\/estimate and received the service).<\/p>\n\n\n\n<p>Common obligations include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paying the correct amount by the due date<\/li>\n\n\n\n<li>Following dispute procedures (if the invoice is contested)<\/li>\n\n\n\n<li>Communicating promptly if payment timing changes<\/li>\n\n\n\n<li>Complying with interest or late-fee terms if those were disclosed upfront<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-when-a-debtor-doesn-t-pay\"><strong>What Happens When a Debtor Doesn\u2019t Pay?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/accountant-reviewing-financial-data-laptop.jpg\" alt=\"Professional reviewing accounts receivable data on a laptop\" class=\"wp-image-86352\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/accountant-reviewing-financial-data-laptop.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/accountant-reviewing-financial-data-laptop-300x200.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/accountant-reviewing-financial-data-laptop-768x512.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/accountant-reviewing-financial-data-laptop-710x474.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>When a debtor doesn\u2019t pay, the \u201cwhat now?\u201d depends on your credit terms, your relationship with the customer, and the age and size of the balance.<\/p>\n\n\n\n<p>A practical escalation path often looks like this:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Reminder<\/strong> shortly after the due date (friendly tone, resend invoice)<\/li>\n\n\n\n<li><strong>Second notice<\/strong> with a clear deadline and payment options<\/li>\n\n\n\n<li><strong>Phone call<\/strong> to confirm receipt and resolve disputes<\/li>\n\n\n\n<li><strong>Final notice<\/strong> stating next steps (pause services, late fees, collections)<\/li>\n\n\n\n<li><strong>Collections or legal action<\/strong> if the amount and likelihood of recovery justify it<\/li>\n<\/ol>\n\n\n\n<p>Accounting-wise, long-overdue balances may eventually be moved into a bad-debt process. Under <a href=\"https:\/\/invoicefly.com\/academy\/accrual-basis-accounting\/\">accrual accounting<\/a>, you may need a bad debt expense and allowance approach.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-penalties-and-risks-for-debtors\"><strong>Penalties and Risks for Debtors<\/strong><\/h2>\n\n\n\n<p>For debtors, the consequences of nonpayment can range from mild to severe depending on the setting:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Late fees or interest<\/strong> (if permitted by contract and state law)<\/li>\n\n\n\n<li><strong>Service interruption<\/strong> (common in recurring services or subscriptions)<\/li>\n\n\n\n<li><strong>Damage to business credit<\/strong> (B2B payment history can affect access to trade credit)<\/li>\n\n\n\n<li><strong>Collection efforts<\/strong> that add pressure and cost<\/li>\n\n\n\n<li><strong>Legal action<\/strong> such as a demand letter, small claims, or civil suit<\/li>\n<\/ul>\n\n\n\n<p>For your business, the risks are just as real:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uncollected invoices create cash crunches and missed opportunities<\/li>\n\n\n\n<li>Time spent chasing payments drains productivity<\/li>\n\n\n\n<li>High receivables can make your business look weaker to lenders<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debtors-vs-creditors-explained\"><strong>Debtors vs Creditors Explained<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"527\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/freelancer-reviewing-bills-and-invoices.jpg\" alt=\"Woman reviewing bills and invoices in a home office\" class=\"wp-image-86353\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/freelancer-reviewing-bills-and-invoices.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/freelancer-reviewing-bills-and-invoices-300x158.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/freelancer-reviewing-bills-and-invoices-768x405.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/freelancer-reviewing-bills-and-invoices-710x374.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>The easiest way to remember this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>debtor vs creditor<\/strong>: debtor owes money; creditor receives money.<\/li>\n<\/ul>\n\n\n\n<p>This also flips depending on whose books you\u2019re looking at:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>On <em>your<\/em> books, a customer who hasn\u2019t paid is a debtor.<\/li>\n\n\n\n<li>On the <em>customer\u2019s<\/em> books, they record a payable and you are their creditor.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-a-customer-a-debtor\"><strong>Is a Customer a Debtor?<\/strong><\/h2>\n\n\n\n<p>Often, yes. A customer becomes a debtor the moment they receive goods\/services on credit and haven\u2019t paid yet.<\/p>\n\n\n\n<p>In a small business context, it\u2019s usually:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A customer with an unpaid invoice<\/li>\n\n\n\n<li>A client on a payment plan<\/li>\n\n\n\n<li>A business account billed after delivery (common in contracting)<\/li>\n<\/ul>\n\n\n\n<p>This distinction matters because it affects follow-up timing, customer communication, and the way you forecast incoming cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-are-debtors-assets-on-the-balance-sheet\"><strong>Are Debtors Assets on the Balance Sheet?<\/strong><\/h2>\n\n\n\n<p>Yes, most of the time. Debtors are typically classified as current assets because they represent money you expect to receive within a year (often within 30\u201390 days).<\/p>\n\n\n\n<p>In standard formats, debtors appear under:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Current assets \u2192 Accounts receivable (trade receivables)<\/li>\n<\/ul>\n\n\n\n<p>That said, not every receivable is equally valuable. Older balances may be harder to collect. Many businesses use an aging schedule to review:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Current (not overdue)<\/li>\n\n\n\n<li>1\u201330 days overdue<\/li>\n\n\n\n<li>31\u201360 days overdue<\/li>\n\n\n\n<li>61\u201390 days overdue<\/li>\n\n\n\n<li>90+ days overdue<\/li>\n<\/ul>\n\n\n\n<p>If you\u2019re building a reporting stack, keeping your accounts organized is critical. A clean<a href=\"https:\/\/invoicefly.com\/glossary\/chart-of-accounts\/\"> chart of accounts<\/a> makes it easier to track receivables, deposits, sales, and write-offs without messy rework later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debtor-examples-in-real-businesses\"><strong>Debtor Examples in Real Businesses<\/strong><\/h2>\n\n\n\n<p>A clear debtor example helps connect the definition to daily operations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Plumber:<\/strong> Completes a repair and invoices the property manager with Net 30 terms. Until payment arrives, the property manager is the plumber\u2019s debtor.<\/li>\n\n\n\n<li><strong>Freelance designer:<\/strong> Delivers brand assets and invoices the client for the remaining 50% balance due in 15 days. The client is the debtor until the invoice is paid.<\/li>\n\n\n\n<li><strong>Wholesale supplier:<\/strong> Ships inventory to a retail shop on trade credit. The retail shop is the debtor; the supplier records the amount as accounts receivable.<\/li>\n\n\n\n<li><strong>Software agency:<\/strong> Bills milestones after delivery. Each unpaid milestone invoice creates a debtor balance until settled.<\/li>\n<\/ul>\n\n\n\n<p>In each case, the debtor isn\u2019t necessarily&nbsp; \u201cbad\u201d, they\u2019re just unpaid. The goal is to keep that unpaid period short, predictable, and professionally managed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-businesses-manage-debtors-and-collections\"><strong>How Businesses Manage Debtors and Collections<\/strong><\/h2>\n\n\n\n<p>Managing debtors is mostly about preventing delays before they happen and responding quickly when they do.<\/p>\n\n\n\n<p>Here are practical habits that work for many U.S. small businesses:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-use-clear-terms-and-consistent-documentation\"><strong>1) Use clear terms and consistent documentation<\/strong><\/h3>\n\n\n\n<p>Make sure every <a href=\"https:\/\/invoicefly.com\/academy\/what-is-an-invoice\/\">invoice<\/a> includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Due date and terms (Net 15\/30)<\/li>\n\n\n\n<li>Itemized scope and prices<\/li>\n\n\n\n<li>Payment methods and instructions<\/li>\n\n\n\n<li>Late fee policy (where allowed)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-standardize-your-follow-up-schedule\"><strong>2) Standardize your follow-up schedule<\/strong><\/h3>\n\n\n\n<p>A simple process usually beats an aggressive one. Example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reminder at 3 days overdue<\/li>\n\n\n\n<li>Second reminder at 10 days overdue<\/li>\n\n\n\n<li>Call at 14 days overdue<\/li>\n\n\n\n<li>Final notice at 21 days overdue<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-track-debtor-balances-like-a-kpi\"><strong>3) Track debtor balances like a KPI<\/strong><\/h3>\n\n\n\n<p>Even if you\u2019re not doing advanced finance, watching receivables and overdue totals helps you avoid surprises. Many owners also monitor cash inflows and <a href=\"https:\/\/invoicefly.com\/academy\/overhead-meaning\/\">overhead<\/a> together.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-know-when-to-stop-work\"><strong>4) Know when to stop work<\/strong><\/h3>\n\n\n\n<p>For service businesses, continuing work while invoices are overdue is a common way debt grows. Clear pause policies protect your time and reduce risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-escalate-thoughtfully\"><strong>5) Escalate thoughtfully<\/strong><\/h3>\n\n\n\n<p>If a customer is unresponsive and the amount is meaningful:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consider a demand letter<\/li>\n\n\n\n<li>Evaluate small claims options<\/li>\n\n\n\n<li>Use a reputable collection approach consistent with consumer protection rules (where applicable)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bank-debtors-and-bank-creditors\"><strong>Bank Debtors and Bank Creditors<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-professional-sending-invoice-laptop.jpg\" alt=\"Business professional sending invoices and managing payments\" class=\"wp-image-86354\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-professional-sending-invoice-laptop.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-professional-sending-invoice-laptop-300x200.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-professional-sending-invoice-laptop-768x512.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2026\/01\/business-professional-sending-invoice-laptop-710x474.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Banks use the same concepts, just at scale:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you take a business loan, you become the bank\u2019s debtor.<\/li>\n\n\n\n<li>The bank becomes the creditor because it is owed repayment.<\/li>\n<\/ul>\n\n\n\n<p>The \u201csecured vs unsecured\u201d piece matters here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Secured debt<\/strong>: backed by collateral (like equipment or property)<\/li>\n\n\n\n<li><strong>Unsecured debt<\/strong>: not backed by collateral (often higher rates or stricter underwriting)<\/li>\n<\/ul>\n\n\n\n<p>If you\u2019re planning financing and want to model monthly payments before you borrow, a<a href=\"https:\/\/invoicefly.com\/free-resources\/free-calculators\/loan-calculator\/\"> loan calculator<\/a> can help you estimate repayment scenarios and avoid overcommitting cash flow.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-laws-that-protect-debtors\"><strong>Laws That Protect Debtors<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-laws-limit-what-debt-collectors-can-say-or-do-en-329\/\" target=\"_blank\" rel=\"noreferrer noopener\">In the U.S.<\/a>, debtor protections depend on whether the debt is consumer or commercial, and on federal and state rules.<br><br>If you\u2019re collecting as a small business, it\u2019s smart to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep communications professional and documented<\/li>\n\n\n\n<li>Avoid threats or misleading statements<\/li>\n\n\n\n<li>Follow your contract terms and applicable laws<\/li>\n\n\n\n<li>Escalate to legal help when amounts justify it<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ready-to-take-control-of-debtor-balances-and-cash-flow\"><strong>Ready to take control of debtor balances and cash flow?<\/strong><\/h2>\n\n\n\n<p>At some point, every growing business needs a repeatable receivables workflow. The practical goal is simple: keep debtor balances visible, invoices clear, and follow-ups consistent\u2014so you spend less time chasing payments and more time doing billable work.To simplify the process, use Invoice Fly\u2019s<a href=\"https:\/\/invoicefly.com\/product\/invoicing-software\/\"> invoicing software<\/a> to send invoices with clear terms, track what\u2019s overdue, and keep customer communication organized.<\/p>\n\n\n<div data-elementor-type=\"section\" data-elementor-id=\"67268\" class=\"elementor elementor-67268\" data-elementor-post-type=\"elementor_library\">\n<div class=\"elementor-element elementor-element-3138132 e-flex e-con-boxed e-con e-parent\" data-id=\"3138132\" data-element_type=\"container\">\n<div class=\"e-con-inner\">\n<div class=\"elementor-element elementor-element-e9bb9f2 e-con-full e-flex e-con e-child\" data-id=\"e9bb9f2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n<div class=\"elementor-element elementor-element-ef3a71f e-con-full e-flex e-con e-child\" data-id=\"ef3a71f\" data-element_type=\"container\">\n<div class=\"elementor-element elementor-element-c0d7a02 elementor-widget elementor-widget-heading\" data-id=\"c0d7a02\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n<h3 class=\"elementor-heading-title elementor-size-default\">Get Started with Invoice Fly&#8217;s Software<\/h3>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-472498a elementor-widget elementor-widget-text-editor\" data-id=\"472498a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n<p>Invoice Fly is a smart, fast, and easy-to-use invoicing software designed for freelancers, contractors, and small business owners. Create and send invoices, track payments, and manage your business \u2014 all in one place.<\/p>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-c264baf elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c264baf\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button download_app elementor-button-link elementor-size-sm\" href=\"https:\/\/invoicefly.onelink.me\/AeUs\/qohijf8g\"><br \/>\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\"><br \/>\n\t\t\t\t\t\t<span class=\"elementor-button-icon\"><br \/>\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t<\/span><br \/>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started Now<\/span><br \/>\n\t\t\t\t\t<\/span><br \/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"elementor-element elementor-element-a9c32b8 e-con-full e-flex e-con e-child\" data-id=\"a9c32b8\" data-element_type=\"container\">\n<div class=\"elementor-element elementor-element-0915656 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"0915656\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"710\" height=\"643\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png\" class=\"attachment-keydesign-medium-image size-keydesign-medium-image wp-image-23031\" alt=\"Invoice Payments - Accept Payments Online\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png 710w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-300x272.png 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-1024x928.png 1024w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-768x696.png 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1.png 1255w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fcd73d e-flex e-con-boxed e-con e-parent\" data-id=\"7fcd73d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a0f3ff5 elementor-widget elementor-widget-heading\" data-id=\"5a0f3ff5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs about Debtors<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45fc9b7 e-flex e-con-boxed e-con e-parent\" data-id=\"45fc9b7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebdd9ff elementor-widget__width-initial elementor-widget elementor-widget-elementskit-accordion\" data-id=\"ebdd9ff\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a4a12261454a\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-ebdd9ff\">\n                        <a href=\"#collapse-8065b3c6a4a12261454a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8065b3c6a4a12261454a\" aria-expanded=\"true\" aria-controls=\"Collapse-8065b3c6a4a12261454a\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Who is the debtor and creditor?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8065b3c6a4a12261454a\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-ebdd9ff\" data-parent=\"#accordion-6a4a12261454a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The debtor is the person or business that owes money. The creditor is the person or business that is owed money. <\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-ebdd9ff\">\n                        <a href=\"#collapse-d5b37996a4a12261454a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d5b37996a4a12261454a\" aria-expanded=\"true\" aria-controls=\"Collapse-d5b37996a4a12261454a\">\n                            \n                            <span class=\"ekit-accordion-title\">2. Is a customer a debtor or creditor?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d5b37996a4a12261454a\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-ebdd9ff\" data-parent=\"#accordion-6a4a12261454a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A customer is a debtor when they\u2019ve received goods or services and haven\u2019t paid yet. If they prepaid or have a credit balance, the roles can flip depending on the situation and the accounting treatment. <\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-ebdd9ff\">\n                        <a href=\"#collapse-cd09c836a4a12261454a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-cd09c836a4a12261454a\" aria-expanded=\"true\" aria-controls=\"Collapse-cd09c836a4a12261454a\">\n                            \n                            <span class=\"ekit-accordion-title\">3. What are the rights of debtors?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-cd09c836a4a12261454a\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-ebdd9ff\" data-parent=\"#accordion-6a4a12261454a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In the U.S., debtors have the right to fair and lawful treatment. This includes protection from harassment or misleading claims, the right to receive accurate information about the debt, the ability to dispute incorrect charges, and limits on when and how collectors can contact them. Consumer debts are protected by federal and state laws, while business debtor rights are usually defined by contract terms and commercial law.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-ebdd9ff\">\n                        <a href=\"#collapse-460c24b6a4a12261454a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-460c24b6a4a12261454a\" aria-expanded=\"true\" aria-controls=\"Collapse-460c24b6a4a12261454a\">\n                            \n                            <span class=\"ekit-accordion-title\">4. What&#039;s the worst a debt collector can do?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-460c24b6a4a12261454a\" class=\" show collapse\" aria-labelledby=\"primaryHeading-3-ebdd9ff\" data-parent=\"#accordion-6a4a12261454a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Collectors can pursue repayment through legal channels, but they cannot use harassment or deceptive tactics. <\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-ebdd9ff\">\n                        <a href=\"#collapse-10f45136a4a12261454a\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-10f45136a4a12261454a\" aria-expanded=\"true\" aria-controls=\"Collapse-10f45136a4a12261454a\">\n                            \n                            <span class=\"ekit-accordion-title\">5. Can I lose my house for not paying credit cards?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-10f45136a4a12261454a\" class=\" show collapse\" aria-labelledby=\"primaryHeading-4-ebdd9ff\" data-parent=\"#accordion-6a4a12261454a\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Credit cards are usually unsecured debt, so there\u2019s typically no direct collateral claim like a mortgage. However, if a creditor sues and gets a judgment, collection remedies can vary by state and circumstances. <\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. Who is the debtor and creditor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>The debtor is the person or business that owes money. The creditor is the person or business that is owed money. <\/p>\"}},{\"@type\":\"Question\",\"name\":\"2. Is a customer a debtor or creditor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>A customer is a debtor when they\u2019ve received goods or services and haven\u2019t paid yet. 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Can I lose my house for not paying credit cards?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Credit cards are usually unsecured debt, so there\u2019s typically no direct collateral claim like a mortgage. However, if a creditor sues and gets a judgment, collection remedies can vary by state and circumstances. <\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A debtor is any person or business that owes money, goods, or services to another party (usually because they received value first and will pay later). In day-to-day accounting, \u201cdebtors\u201d often show up as customers who haven\u2019t paid an invoice yet. An important detail that affects cash flow, reporting, and collections. This guide will cover: [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":86350,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[159,156],"tags":[],"ppma_author":[101],"class_list":["post-86349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","category-manage-your-business","author-ellie-mckenna"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Debtors: Definition, Examples &amp; Role in Accounting &#8211; Invoice Fly<\/title>\n<meta name=\"description\" content=\"Learn what debtors are, how they work in accounting, and the difference between debtors vs. creditors with examples and concepts for business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/invoicefly.com\/es\/academia\/deudores\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debtors in Accounting: Meaning, Examples &amp; 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Su especialidad son los contenidos orientados a los motores de b\u00fasqueda que responden a las preguntas reales que se plantean los contratistas. Actualmente trabaja como redactora en Vista (Vistaprint), una de las marcas m\u00e1s grandes del mundo al servicio de las peque\u00f1as empresas; es guionista en Propulse Video, una empresa de TransPerfect; y ha desempe\u00f1ado funciones de contenido y comunicaci\u00f3n tanto en Barcelona como en Belfast. Es licenciada (con honores) en Ciencias Empresariales con especializaci\u00f3n en Publicidad y tiene un m\u00e1ster en Marketing Digital, Comunicaci\u00f3n y Liderazgo, Universidad de Ulster. Originaria de Irlanda, vive en Barcelona. Cada gu\u00eda que escribe Ellie se basa en fuentes primarias y se revisa seg\u00fan la pol\u00edtica editorial de Invoice Fly. Ponte en contacto con ella en LinkedIn o en elliemckenna.com.","sameAs":["https:\/\/elliemckenna.com","https:\/\/www.linkedin.com\/in\/ellie-mckenna\/"],"gender":"female","award":["Eamon Corcoran","CEO","B\u00e9im Digital: \u201cEllie\u2019s ability to turn ideas into compelling copy is nothing short of remarkable. Her content resonates and drives results.\u201d Available Upon Request: Additional references from clients like Propulse Video and Vistaprint"],"knowsAbout":["Invoicing","SaaS","Mobile Apps","Accounting","Home Service Industry. Content Writing: Long-form blog posts","articles","and press releases optimized for SEO and engagement. Copywriting: Persuasive website copy","email campaigns","social media content","and PR materials that convert. Voice-Over & Technical Animation Scripts: Polished scripts for video content","including explainer videos and branded series (e.g.","Armani\u2019s visual search videos). SEO Content Strategy: Crafting keyword-driven content to boost search rankings and backlinks. Brand Messaging: Developing authentic","human-centered brand voices for startups and global companies. Content Marketing: Creating campaigns that secure coverage in high-profile outlets like TimeOut and The Telegraph."],"knowsLanguage":["English","Spanish"],"jobTitle":"SEO Copywriting Expert","worksFor":"SEO Copywriting Expert","url":"https:\/\/invoicefly.com\/es\/academy\/author\/ellie-mckenna\/"}]}},"authors":[{"term_id":101,"user_id":6,"is_guest":0,"slug":"ellie-mckenna","display_name":"Ellie McKenna","avatar_url":{"url":"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/12\/1713359745033.jpg","url2x":"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/12\/1713359745033.jpg"},"author_category":"1","first_name":"Ellie","last_name":"McKenna","user_url":"http:\/\/elliemckenna.com","job_title":"Senior Copywriter","description":"<strong>Ellie McKenna es redactora especializada en SEO y estratega de contenidos; se encarga de redactar las gu\u00edas sectoriales, las plantillas y los consejos de marketing de Invoice Fly Academy para profesionales y peque\u00f1as empresas del mercado estadounidense.<\/strong> Su especialidad es crear contenido orientado a las b\u00fasquedas que responda a las preguntas reales que se hacen los contratistas.\r\n\r\n<ul>\r\n<li>Ahora mismo trabajo como redactor publicitario en <strong>Vista (Vistaprint)<\/strong>, una de las marcas m\u00e1s grandes del mundo dedicada a las peque\u00f1as empresas<\/li>\r\n<li>Guionista de <strong>V\u00eddeo de Propulse<\/strong>, una empresa de TransPerfect<\/li>\r\n<li>Puestos relacionados con los contenidos y la comunicaci\u00f3n en <strong>Barcelona y Belfast<\/strong><\/li>\r\n<li><strong>Grado (con honores) en Ciencias Empresariales con especializaci\u00f3n en Publicidad<\/strong> y <strong>M\u00e1ster en Marketing Digital, Comunicaci\u00f3n y Liderazgo<\/strong>, Universidad de Ulster<\/li>\r\n<li>Es de Irlanda, pero vive en Barcelona<\/li>\r\n<\/ul>\r\n\r\nCada gu\u00eda que escribe Ellie se basa en fuentes primarias y se revisa seg\u00fan los <a href=\"https:\/\/invoicefly.com\/es\/politica-editorial\/\">Pol\u00edtica editorial de Invoice Fly<\/a>. Sigue a ella en <a href=\"https:\/\/www.linkedin.com\/in\/ellie-mckenna\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a> o en <a href=\"https:\/\/www.elliemckenna.com\" target=\"_blank\" rel=\"noopener\">elliemckenna.com<\/a>."}],"_links":{"self":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/86349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/comments?post=86349"}],"version-history":[{"count":1,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/86349\/revisions"}],"predecessor-version":[{"id":88785,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/posts\/86349\/revisions\/88785"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/media\/86350"}],"wp:attachment":[{"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/media?parent=86349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/categories?post=86349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/tags?post=86349"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/invoicefly.com\/es\/wp-json\/wp\/v2\/ppma_author?post=86349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}