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Debt Collection

From early arrears to post charge-off accounts, we can design a collection strategy that will improve your cash flow and free up your own resources so you can focus on what you do best.

Our recovery methods are designed to:


  • Create and maintain a sense of urgency;

  • Treat your customers as if they were our own;

  • Maximise your cash flow and profitability;

  • Control your legal risks and costs;

  • Protect your public image; and

  • Minimise bad debt write-offs.


Built around our sophisticated technology platform and data intelligence applications, our mercantile solutions incorporate the five key elements outlined below:


Data Analytics


We optimise contact and conversion rates through a combination of advanced data retrieval applications and sophisticated debtor analysis tools, including: data washing, matching and enhancement tools, account segmentation, risk scoring and champion/challenger strategies.


Debtor Communications


We establish quality contact through appropriate channels to maintain a sense of urgency throughout the collections process, through a range of mechanisms including: demand letters, outbound call campaigns, inbound call handling, outbound email and SMS, and inbound email and SMS response handling. 


Customer Service


We establish comprehensive training and compliance programs, call scripting and language control to handle first and/or third party collection negotiations on your behalf. We will support your customer service strategy and performance objectives through a committed relationship of openness, transparency, performance and insight. At Credit Solutions we have a strong performance culture, underpinned by a clear focus on delivering the results expected of us. Our customer service charter is built on an acute understanding of the following principles:


  • Ethical obligations, adherence to discrimination and privacy;

  • Compliance with contractual obligations;

  • Our reputation and future business; and

  • Compliance with government legislation


Our collection staff will identify debtors in special circumstances and, in combination with our customised training materials, reporting and dispute resolution management programs, we'll ensure that reasonable adjustments are applied to debtors in difficult circumstances and vulnerable situations, disputes are appropriately handled, and complaints are well managed and immediately reported


Skip Tracing


We have access to a comprehensive suite of databases to locate default individual and commercial accounts and specialist field and investigative division that can respond quickly to escalated matters.




We will develop a standard suite of reports that can be customised specifically to meet your reporting requirements, including payment reports, debt reports, action reports, closure reports, spin down reports, performance scorecards, dispute resolution dashboards, payment arrangement reports and legal action status reports.

Debt Collection



First & Third Party Call Centre Collections  |  Financial Hardship & Dispute Resolution  |  Skip Tracing & Investigative Services

Field Calls & Process Serving  |  Legal Recovery Services   |  Advanced Analytics and Reporting

Receivables Management


With an innovative combination of technology-enabled operations, next- generation analytics and a professional customer service experience, we have the capability and experience to provide comprehensive transactional management services on your behalf that include:


  • Direct debit payment management

  • Payment processing, and

  • Reconciliation reporting


We'll establish your internal processes (including dedicated inbound and outbound call handling, letter and call scripting, email, SMS and written correspondence) to ensure that customers feel they are dealing directly with your company. In addition, we'll manage all recurring customer payments and deliver all documentation such as Credit Applications, Loan Agreements, Credit Guides and Direct Debit Forms in accordance with your guidelines.


Using our state-of-the art receivables management software, we can help to improve collection rates, boost cash flow and free up working capital, while upholding your brand and reputation.


Our receivables management services are designed to:


  • Formulate credit terms in such a way that results in maximising sales revenue while maintaining minimum investment in receivables;

  • Lower operating costs through streamlined collections and proactive late-payment management;

  • Reduce bad-debt risk through better insight into customer creditworthiness;

  • Improve collection success rates with automated dispute resolution;

  • Simplify billing and enhance customer service with electronic invoicing;

  • Boost productivity with mobile access to customer financial data; and

  • Ensure reporting accuracy with access to the most up-to-date account information 

Inbound/Outbound Call & Email Handling  |  Advanced Analytical Reporting & Forecasting  |  Multi-Channel Payment Processing

  Overflow Management  |  24-7 Client & Customer Web Access  |  Communications Strategy (Mail, Phone, SMS, Email)


Credit Management


In partnership with Australia’s largest custodian of credit bureau information, we can deliver a range of online credit assessment solutions. From simple web-enabled tools to fully customisable, embedded applications, we can provide your business with the insight you need to make instant, well-informed lending decisions.


Our decisioning solutions can help you minimise risk, maximise efficiency, protect your profits and support the future growth of your business. A fully customised white label credit assessment website can help you:


  • Streamline your credit process and workflow

  • Instantly validate entities

  • Manage your applications in a way that supports your business and its requirements

  • Access application summary information at your fingertips

  • Provide instant lending decisions based on your credit policies

  • Gain improved visibility to adverse credit ratings via in-depth trading history reports and extensive director coverage

  • Integrate with your current CRM system

  • Establish decision process paths by combining powerful decision trees, scorecards, strategy tables, and champion challenger techniques

  • Implement tailored risk strategies relevant to individual business units

  • Maintain a secure data repository for storing contact details, bureau reports, uploaded application forms and notes for auditing purposes


We'll develop, produce and deliver all documentation required to support the credit application and assessment process, including ongoing correspondence via a dedicated case manager.


Credit Consultancy Services  |  Credit Documentation Development  |  Credit Application Review

Online Credit Application Processing  |  Credit Checks, Scoring and Decisioning  |  White Label Credit Assessment Websites

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