How does your team handle the first 5 days after an invoice goes past due?

I have been talking to a lot of finance teams about that critical window — the first few days after an invoice crosses the due date. Everyone seems to handle it differently:

• Some teams do nothing for 7 days — they assume it is just a timing issue and do not want to annoy the customer
• Some send an automated reminder on Day 1 — light touch, just a nudge
• Some have collectors calling on Day 3 — especially for large balances
• Some segment by amount — auto-remind under $10K, personal outreach above it

There is no obvious right answer, which is what makes it interesting. Being too aggressive early can damage relationships. Being too passive lets small issues snowball.

A few things I am curious about:

1. What is your first touch point after an invoice goes past due? Email? Call? Carrier pigeon?
2. Do you treat all invoices the same, or segment by amount / customer tier?
3. Has your approach changed in the last year? (More automation? Less?)

Bonus: if you have a collections cadence you would be willing to share (even roughly), I think a lot of people here would find it incredibly useful.