How debt recovery works

A debt recovery and credit management process that’s made easy.

When you work with EC Credit Control Australia, you have our team of experts at your disposal. Over the 30+ years we’ve been in the business, we have been perfecting our debt resolution and total credit management process to bring you results, time and time again. Here is how debt recovery works.

Our 6 step debt recovery process

How debt recovery works -You Load

1. You Load

Load your debt online using our easy web portal. This can be done completing a simple form or by selecting invoices from your Xero account.

How debt recovery works - We investigate

2. We Investigate

We will review the details of your debt, undertake searches on various databases and append any information to put us in a stronger position from the outset.

How debt recovery works - We contact

3. We Contact

The debt collection process begins. We utilise multiple communication channels to make contact as quickly as possible.

How debt recovery works - Debt load fee

4. Debt Load Fee

We invoice you a debt load fee per debt loaded at the end of the month. A debt can be made up for multiple invoices.

How debt recovery works - We deliver

5. We Deliver

We charge commission on every dollar collected. No commission is charged until your debt is collected.

How debt recovery works - Job Done

6. Job Done

Your cash flow has been attended to, and your valuable time has been saved.

Our team of debt management professionals are focused on:


  • Helping you enjoy healthy cashflow – essential to every successful business
  • Making the process easy – in person and with our helpful online portal
  • Working collaboratively with you
  • Maintaining strong relationships with your customers
  • Ensuring prompt debt recovery with our simple six-step process
Debt collection and terms of trade -The Team of professionals

Have a debt to load?

Sign up online now and load your overdue accounts within 5 minutes – even less if you are a Xero user.

Choose EC Credit Control -Choose EC Credit Control-Cloud-Based Accounting Integration for Debt Collection
How debt recovery works - Terms of Trade

Terms of trade

With robust Terms and Conditions of Trade, we help you safeguard your business, enabling a clear legal relationship with your customer.

The many benefits include:

  • Greatly improving your chances for debt recovery when you need to
  • Filling the gaps in your wording – protecting against lost profit, potential legal liabilities and more
  • Making it easier to resolve disputes and unpaid invoices

Australian debt resolution specialists

We work on your terms

Think of the EC Credit Control team as an extension of your own business.

  • You choose which debts you load.
  • We believe in firm, fair and polite communication
  • We pride ourselves on our customer focus and work closely with you
  • Our online portal gives you the power to load, track and collect debts with ease.

Effective debt management

Having an expert Debt Management skill-set at your disposal gives you a serious advantage.

  • We understand how important cash-flow is.
  • Our experience dates back to 1989 and we have been evolving ever since.
  • Our skills and capability are always increasing.
  • Add an expert to your team that is driven to help your business thrive.

Trusted by over 40,000 businesses throughout Australia

At EC Credit Control we provide support to a wide variety of businesses, from small business debt collection to large corporates.

  • Whether you’re a team of one or a team of 20, we give every client the same level of care
  • We are an experienced debt collection agency covering every industry, and know-how to apply our skills to help your specific situation.

How much does debt collection cost?
Single load fee. No commission if debt is not collected.

When should we load debts?
If they haven’t paid in 90 days, do load your debt for collection as soon as possible.
To discuss your specific needs, get in touch.

How long does it usually take to collect a debt?
This depends on many factors and is therefore different case by case. We have collected within 24 hours in previous cases.

Will debtors know we’re using a debt collection agency?
Yes, this has a positive impact on reaching a quick resolution.

Can I cancel collection after I’ve already loaded the debt?
No, but please get in touch if there are special circumstances.

Key Clients We Work With

Ramsay Health Care

Global Hospital Group


Online & Distance Education Australia


Car Rental

Have a debt to load?

Sign up online now and load your overdue accounts within 5 minutes – even less if you are a Xero or MYOB user.

Choose EC Credit Control -Choose EC Credit Control-Cloud-Based Accounting Integration for Debt Collection