Common questions
FAQs
When to refer a file, how we work with commercial debts, and what professional recovery looks like.
When should I refer an overdue account to a debt collector?
Once your usual invoice reminders have stopped producing a reply or a payment, it is reasonable to refer the account. Many businesses do so after two or three reminders, or when an invoice passes 30 or 60 days. You do not need a court claim first. Send the invoice and a short note of what you have already tried.
Can you collect business-to-business debts?
Yes. Commercial and business-to-business recovery is the work of this practice, including trading accounts, service fees and unpaid invoices between businesses. If the debt is a consumer matter, say so at the start so we can tell you whether it is a file we should take.
Can you negotiate payment plans?
Yes, where a plan is realistic and you agree to it. We can suggest instalments, record the dates and follow them up. If payments stop, we tell you and we resume contact for the balance.
Do you service businesses outside Port Macquarie?
Yes. The practice is based in Port Macquarie and works across the Hastings, the Mid North Coast, the rest of New South Wales and, where the documents support it, other states. Local and interstate files follow the same process.
Will debt collection damage my relationship with my customer?
A professional contact can recover the account without a scene. We stay factual, we deal with the person responsible for payment, and we report what they say. Some customers pay and keep trading with you. Where the relationship has already ended, the priority is the money owed.
Can you take legal action on our behalf?
We do not act as your lawyers and we do not run court proceedings. When earlier contact has not produced payment, we can talk through the next step and refer the file to a qualified legal professional with the demand history included. Legal advice comes from that lawyer, not from us.