diff --git a/src/components/collections/payment-plans-panel.tsx b/src/components/collections/payment-plans-panel.tsx
index ec2ff75..cef9093 100644
--- a/src/components/collections/payment-plans-panel.tsx
+++ b/src/components/collections/payment-plans-panel.tsx
@@ -25,7 +25,7 @@ import {
 } from "@/components/ui/select";
 import { CalendarClock, Loader2, Plus, Trash2 } from "lucide-react";
 import { toast } from "sonner";
-import { formatCurrency, formatDate } from "@/lib/format";
+import { formatCurrency, formatDate, parseDateOnly } from "@/lib/format";
 
 type Frequency = "weekly" | "biweekly" | "monthly";
 type PlanStatus = "active" | "completed" | "defaulted" | "cancelled";
@@ -200,7 +200,8 @@ export function PaymentPlansPanel({ collectionId }: { collectionId: string }) {
                   {ins.length > 0 && (
                     <div className="divide-y">
                       {ins.map((i) => {
-                        const overdue = !i.paid && new Date(i.due_date) < new Date(new Date().toDateString());
+                        const overdue =
+                          !i.paid && parseDateOnly(i.due_date)! < new Date(new Date().toDateString());
                         return (
                           <div key={i.id} className="flex items-center gap-3 p-2.5 px-3">
                             <Checkbox