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Default I need a formula

I have 2 columns L and N that have payment dates in them, I need a formula
that will scan those 2 columsn because the payments are made in 2 equal
payments and add everything from another column into a cell made for that
date. adds everything together-sumif is working fine with only one column of
dates, but with 2 columns, some strange additions are happening. Any help is
appreciated.

Novenber Clients Debt Amount Commission 2 Equal Pymnts of:
1st 271.34 name1 27133.92 542.6784 271.3392 1-Nov 1-Dec
05th 114.49 name2 11448.57 228.9714 114.4857 5-Nov 5-Dec
10th 0 name3 15678.3 313.566 156.783 15-Nov 15-Dec
15th 374 name4 14763.07 295.2614 147.6307 1-Dec 1-Jan
20th 0 name5 31546.65 630.933 315.4665 1-Nov 15-Nov
25th 0 name6 17265.4 345.308 172.654 1-Dec 10-Dec
December name7 21889.56 437.7912 218.8956 15-Nov 15-Dec
1st 271.34 name8 29663.48 593.2696 296.6348 1-Dec 1-Jan
5th 114.49 name9 26174.25 523.485 261.7425
10th 0 name10 42000 840 420
15th 374 name11 25546.8 510.936 255.468
20th 0 name12 0 0 0
25th 0 name13 0 0 0
January 0 0 0
1st 147.63 0 0 0
5th 0 0 0 0
10th 0 0 0 0
15th 0 0 0 0
20th 0 0 0 0
25th 0 0 0 0
February 0 0 0

 
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