Debt Collection

Relax knowing that your debt recovery is taken care of.

You’re great at what you do – that’s why you’re in business. But that might not mean you have the time or the expertise to proactively manage your outstanding debts.

Effective debt management is essential for any business, and at EC Credit Control it’s what we do. As a reputable debt collection agency, our people are specialists in getting results.

By using our expertise, you can provide a cushion for your business, position yourself for growth and rest easy knowing your cashflow, and your customers, are in good hands.

Ready to collect?

In less than 2 minutes you can be loading your overdue invoices for collection.

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Do you have more than enough to do running your business without having to worry about collecting old debts?

Focus on what you do best and let us minimise your downtime chasing slow payers.

Do you still want to maintain a healthy trading relationship with your customers?

Ensure your customers are treated fairly by using an ethical and reputable debt collection agency.

Commercial & Consumer Debt Collection Specialists

We work with businesses in many different industries.

Who are we?

EC Credit Control are a recognised leader in Debt Collection and Credit Management in Australia. We have specialist teams and expertise for both commercial debt collection and for consumer debt.

We’ve been operating and evolving since 1989, so we have the experience, skills and expertise to get the best result for your business.

As a proactive, modern debt collection agency we pride ourselves on our performance.

Because we’re a full-service debt management agency, we favour a big picture approach. This means looking at all the parts together, to ensure your business is protected as well as having a debt recovery team only a click away.

Our services include terms and conditions of trade, credit reporting, PPSR services, legal proceedings and credit consultancy to provide both preventative and reactive debt management.

We use a combination of technology, ethics and expertise and aim to greatly improve your cashflow and protect your interests, every time.

Using a Debt Collection Agency saves you time and improves your cashflow.

How do we work?

  1. Load your debt online using our easy web portal
  2. We investigate and review the details of your debt
  3. We contact your customer and undertake debt collection activity
  4. We invoice you for a debt load fee per debt loaded at the end of the month
  5. We charge commission on every dollar collected
  6. Job done and cashflow improved
We collection debts for many types of businesses.

What are our fees?

Loading a debt only involves a single set fee charged at the end of the month that the debt is loaded.  Commission is charged on every dollar collected. No collection, no commission.

Free debt collection

We believe in protection as well as collection – we can help set up robust terms of trade that can reduce your future debt problems. If you have appropriate terms of trade in place, your debt recovery could actually be free.  Contact us to discuss how we can help start your business off on the right foot.  We have Area Managers throughout Australia ready to come and meet with you – contact us to discuss how we can put you on the front foot.

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.

EC Credit Control Xero Connected AppMYOB Integration

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Learn more about EC Credit Control

Success Stories

Learn from our Clients about how we can quickly and easily collect your debts.

Take Care of the Big Picture

Understand how else we can work together to improve your debt systems, business risk and cashflow.

Frequently Asked Questions
 

1. How long should we give clients before loading their debt?
If they haven’t paid in 90 days, load your debt as soon as possible. Our data shows that working with a specialist debt management agency early on greatly increases your chance of getting paid.

To discuss your specific needs, get in touch.

2. How long does it usually take to collect a debt?
The time it takes to recover a debt relies on many factors, and every case is different. In some cases we can get our clients paid in as little as 24 hours.

3. What is EC Credit Control’s success rate?
Success depends on a lot of factors, but if you follow our debt management guidelines and load your debt as soon as possible, the greater your chances of getting paid.

4. How does the online portal work?
The online portal makes it easy to load debts and is one of the ways we maintain contact and keep you informed. We take meticulous records of every contact we make with your customers and you can login to view this process at any time.

Our website is secure and has easy to view records of the debt collection process, so you can see what we are doing at each step.

You will have 24/7 access to your online portal so you can load debts immediately and a time that’s convenient to you.

Did you know? We also make it easy for your customers to pay and manage their debts, with an online portal that’s designed just for them. We believe that anything that helps them make payments easier, will ultimately benefit you.

5. What happens if my customer pays the debt directly?
It is important that you let us know immediately if you receive any funds directly from your debtor, so that we can stop the collection process and update your debtor’s file. Any payments you receive directly from your debtor are subject to commission, which will be invoiced to you at the end of the month.

If you accept returned goods for credit, this is deemed to be the same as payment being received from your debtor. You will need to let us know the resale value of the returned items so that your debtor’s file can be updated.

6. Can I cancel collection after I’ve already loaded the debt?
The short answer is no however please get in touch as every situation is different.

7. What happens if the debtor can’t or won’t pay?
While we always do our best, in some rare cases a debt cannot be recovered. Here are some examples with what will happen under various circumstances:

  • Bankruptcy – we stop the collection process and you will be referred to the relevant government department.
  • Receivership or Liquidation – if this happens we will stop the collection process and you will be referred to the Liquidator or Receiver handling the affairs of the company. If you hold a Personal Guarantee from any of the company directors we are able to proceed for collection with them on a personal basis. It is extremely important that you let us know if you have a Personal Guarantee in place.
  • Deceased – we stop the collection process and you will be referred to the executor of the deceased’s estate.
  • Legal action – if after all of our collection processes the debtor still has not responded, we will talk to you about your options for taking legal action through the courts. There is no commission payable to us but you will be liable for legal costs, which we will discuss with you before any action is taken.
  • No matter what happens, if the debt can’t be recovered then the only cost you have is the debt load fee – no commission or any other fees will apply. Rest assured though, that our experienced team will make every effort to ensure you get paid.

    8. What if the debt owed is disputed?
    This will happen from time to time, and debtors are entitled to dispute that a debt is owed. Our robust disputes process is designed to assess as quickly as possible whether their dispute is genuine.

    If they do dispute it, we insist that they put their issue in writing before we will consider it. Our expert collections team will put the debt “on hold” while we liaise with you and talk you through the various options. Once we have your written response the normal process will resume.

    Handy tip: your debtor has no legal obligation to prove that the debt is not owed. If they do not pay an account due to unsatisfactory goods or services then they are under an obligation to prove that you have not fulfilled your contractual obligations to them.

    9. What if the debtor has moved?
    We will employ every means possible to recover your debt without needing legal proceedings. If our collection letters are returned with ‘Gone no address’, we will investigate further and make every effort to locate them through our various other means. We can even recover debt from people that have gone overseas.

    If we are still unsuccessful after all this, we will liaise with you and your debtor’s file will be closed (this can always be reopened later if new information comes to light).

    No recovery, no commission: A reminder that if the debt can’t be recovered then the only cost is your debt load fee. No commission or any other fees will apply. In all cases our experienced team will make every effort to ensure you get paid.

    Key Clients We Work With

    Ramsay Health Care

    Global Hospital Group

    Upskilled

    Online & Distance Education Australia

    AVIS

    Car Rental

    Ready to take positive action?

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