today, and have read an article that we can come in handy at all since being immersed in the daily unpaid help us solve more than a disappointment. 
Today we dedicate our post to a formal element of collection and payment of invoices widely used all along: the note.
This title is not more than the promise of the signer (who has the money) to pay a certain sum on a certain date the policyholder 
The note has formal requirements to be met in order to collect it. If you miss just one, it invalidates the note, so it is very important to keep in mind. You can see the requirements on the following link: http://www.gabilos.com/comosehace/DocumentosCambiarios/textoPagare.htm
However, today we do not intend to speak only of the formal requirements, but a problem that could be very common today.
This may be your case: customers get paid by promissory notes, and as you receive them leading the bank to deduct (endorsements) and receive the cash you need. And then you get the bad news, one of your customers sends you a letter saying that lack of liquidity, the maturity of their arrears by a month.
Suddenly you find yourself in an awkward position, because the bank will be returned unpaid promissory note, with their costs and default interest. And you wonder: Is there anything I can do about it?
Consider two cases.
1) When your client gave you this note to agree on a date.
If the expiration date had already been agreed, you have nothing to fear. Your client can not change that date unilaterally. Therefore, you require a repair, ie bear the bank charges and interest for late payment.
2) had not expired agreed.
If no maturity is agreed, it is understood that the note was extended "view", ie you can demand payment at any time. In this case, your client can not unilaterally change the due date, so you can also require the bank's expenses and the payment of default interest from the date of your claim. Source
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