diff --git a/src/components/cases/convert-to-collections-dialog.tsx b/src/components/cases/convert-to-collections-dialog.tsx
index 666eabf..5744a15 100644
--- a/src/components/cases/convert-to-collections-dialog.tsx
+++ b/src/components/cases/convert-to-collections-dialog.tsx
@@ -56,12 +56,16 @@ export function ConvertToCollectionsDialog({
   const [selected, setSelected] = useState<Set<string>>(new Set());
   const [search, setSearch] = useState("");
   const [status, setStatus] = useState("none");
+  const [includeEmpty, setIncludeEmpty] = useState(false);
+  const [emptyName, setEmptyName] = useState("");
 
   useEffect(() => {
     if (!open) return;
     setSelected(new Set());
     setSearch("");
     setStatus("none");
+    setIncludeEmpty(false);
+    setEmptyName("");
     (async () => {
       setLoading(true);
       const [{ data: hos }, { data: cols }] = await Promise.all([
@@ -77,7 +81,9 @@ export function ConvertToCollectionsDialog({
           .eq("case_id", caseId),
       ]);
       setHomeowners(hos ?? []);
-      setExistingIds(new Set((cols ?? []).map((c) => c.homeowner_id)));
+      setExistingIds(
+        new Set((cols ?? []).map((c) => c.homeowner_id).filter((id): id is string => !!id)),
+      );
       setLoading(false);
     })();
   }, [open, caseId, clientId]);
@@ -123,17 +129,26 @@ export function ConvertToCollectionsDialog({
   };
 
   const submit = async () => {
-    if (selected.size === 0) {
-      toast.error("Pick at least one homeowner");
+    if (selected.size === 0 && !includeEmpty) {
+      toast.error("Pick at least one homeowner or enable an empty collection");
       return;
     }
     setSubmitting(true);
-    const rows = Array.from(selected).map((homeowner_id) => ({
+    const rows: any[] = Array.from(selected).map((homeowner_id) => ({
       case_id: caseId,
       homeowner_id,
       status,
       created_by: user?.id,
     }));
+    if (includeEmpty) {
+      rows.push({
+        case_id: caseId,
+        homeowner_id: null,
+        status,
+        name: emptyName.trim() || null,
+        created_by: user?.id,
+      });
+    }
     const { error } = await supabase.from("collections").insert(rows);
     setSubmitting(false);
     if (error) {
@@ -252,15 +267,36 @@ export function ConvertToCollectionsDialog({
               </>
             )}
           </div>
+
+          <div className="border rounded-md p-3 space-y-2 bg-muted/20">
+            <label className="flex items-center gap-2 text-sm cursor-pointer">
+              <Checkbox
+                checked={includeEmpty}
+                onCheckedChange={(v) => setIncludeEmpty(!!v)}
+              />
+              <span>Also create one collection without an attached homeowner</span>
+            </label>
+            {includeEmpty && (
+              <Input
+                placeholder="Optional name (e.g. Unassigned ledger)"
+                value={emptyName}
+                onChange={(e) => setEmptyName(e.target.value)}
+              />
+            )}
+          </div>
         </div>
 
         <DialogFooter>
           <Button variant="outline" onClick={() => onOpenChange(false)}>
             Cancel
           </Button>
-          <Button onClick={submit} disabled={submitting || selected.size === 0}>
+          <Button
+            onClick={submit}
+            disabled={submitting || (selected.size === 0 && !includeEmpty)}
+          >
             {submitting && <Loader2 className="h-4 w-4 mr-2 animate-spin" />}
-            Create {selected.size > 0 ? selected.size : ""} collection{selected.size === 1 ? "" : "s"}
+            Create {selected.size + (includeEmpty ? 1 : 0)} collection
+            {selected.size + (includeEmpty ? 1 : 0) === 1 ? "" : "s"}
           </Button>
         </DialogFooter>
       </DialogContent>
diff --git a/src/integrations/supabase/types.ts b/src/integrations/supabase/types.ts
index 1f19e6e..7d2b0f3 100644
--- a/src/integrations/supabase/types.ts
+++ b/src/integrations/supabase/types.ts
@@ -742,7 +742,7 @@ export type Database = {
           created_at: string
           created_by: string | null
           current_stage: string | null
-          homeowner_id: string
+          homeowner_id: string | null
           id: string
           interest_rate_override: number | null
           name: string | null
@@ -757,7 +757,7 @@ export type Database = {
           created_at?: string
           created_by?: string | null
           current_stage?: string | null
-          homeowner_id: string
+          homeowner_id?: string | null
           id?: string
           interest_rate_override?: number | null
           name?: string | null
@@ -772,7 +772,7 @@ export type Database = {
           created_at?: string
           created_by?: string | null
           current_stage?: string | null
-          homeowner_id?: string
+          homeowner_id?: string | null
           id?: string
           interest_rate_override?: number | null
           name?: string | null
diff --git a/src/routes/collections.index.tsx b/src/routes/collections.index.tsx
index d522b41..bceedce 100644
--- a/src/routes/collections.index.tsx
+++ b/src/routes/collections.index.tsx
@@ -56,7 +56,7 @@ function CollectionsIndexPage() {
       supabase
         .from("collections")
         .select(
-          "id, status, current_stage, opened_at, homeowner:homeowners(id, first_name, last_name, unit_number, opening_balance), case:cases(id, case_number, title, client:clients(id, name))",
+          "id, status, current_stage, opened_at, name, homeowner:homeowners(id, first_name, last_name, unit_number, opening_balance), case:cases(id, case_number, title, client:clients(id, name))",
         )
         .order("created_at", { ascending: false }),
       supabase
@@ -234,10 +234,18 @@ function CollectionsIndexPage() {
                             params={{ collectionId: r.id }}
                             className="hover:underline"
                           >
-                            {r.homeowner?.last_name}, {r.homeowner?.first_name}
-                            {r.homeowner?.unit_number && (
-                              <span className="text-muted-foreground font-normal ml-1">
-                                · Unit {r.homeowner.unit_number}
+                            {r.homeowner ? (
+                              <>
+                                {r.homeowner.last_name}, {r.homeowner.first_name}
+                                {r.homeowner.unit_number && (
+                                  <span className="text-muted-foreground font-normal ml-1">
+                                    · Unit {r.homeowner.unit_number}
+                                  </span>
+                                )}
+                              </>
+                            ) : (
+                              <span className="italic text-muted-foreground">
+                                {(r as any).name || "Unassigned"}
                               </span>
                             )}
                           </Link>
diff --git a/supabase/migrations/20260418073324_19f5b5c4-1eba-4b5a-8422-6e0323ca8437.sql b/supabase/migrations/20260418073324_19f5b5c4-1eba-4b5a-8422-6e0323ca8437.sql
new file mode 100644
index 0000000..0666283
--- /dev/null
+++ b/supabase/migrations/20260418073324_19f5b5c4-1eba-4b5a-8422-6e0323ca8437.sql
@@ -0,0 +1 @@
+ALTER TABLE public.collections ALTER COLUMN homeowner_id DROP NOT NULL;
\ No newline at end of file