What to do when a broker won't pay

Most late payments are solved with paperwork. If not, escalate in steps and keep records.

1. Confirm they have everything: invoice, signed POD, rate con, and any accessorial receipts. Ask for the expected pay date in writing.
2. Request the transaction record under 49 CFR 371.3 if there's a dispute about amounts.
3. Send a written demand: amount, load details, due date, and a deadline (e.g., 10 days). Signed-in carriers can generate a demand letter from a RatedPaid report.
4. Check the broker's FMCSA status and bond. If authority is revoked or a bond cancellation is filed, move quickly. See how to file a bond claim.
5. File a complaint with FMCSA's National Consumer Complaint Database.
6. Collections or court: your factoring company, a collection agency, small-claims court, or an attorney. The general federal time limit for carriers to sue for charges is 18 months (49 U.S.C. 14705).
7. Report it on RatedPaid with your documents so other carriers can see it before they haul.

Last reviewed 2026-10-25. General information, not legal advice. More guides · Check a broker