Load Your Debt

Loading your debt is a simple and secure process.

To get started, please complete the debt loading form. If any fields are not applicable, please enter "N/A" as the answer.

All information provided will be treated with the utmost confidentiality. Fees, services and commission rates are shown below this form.

Review our Terms and Conditions.

*Please note that we do not collect debt under $3,000.00

Below is an overview of the initial process and fees to instruct us to collect a debt.
If at any point you are unsure of what to do or have any questions, feel free to contact us and we will be happy to assist.

  1. Statutory Demand -$475 + GST per debtor
  2. A statutory demand is the first step of the liquidation process (companies only) and can only be carried out when there is a debt exceeding $1,000.00 and there is no dispute, counterclaim, or set-off. This provides the debtor with a period of 10 working days to dispute the debt and provide evidence supporting this, or 15 working days to pay the debt. If they fail to do either, they are deemed unable to pay their debts as they fall due (insolvent) and you can then apply to the High Court to appoint a liquidator. If you have a guarantor, we can also serve a guarantor demand notice upon the guarantor at the same time (see below).
  3. Agent Visit - $175 + GST per debtor or $275 + GST for one-off clients
  4. With an agent visit option, a formal demand is personally served upon the debtor by one of our licensed agents. Visiting the debtor in person is much more effective than sending a letter and it often leads to faster results and fewer disputes. This will show the debtor that you are serious about recovering your debt. This also allows us to assess their circumstances and determine risk and debtor profile. We will seek confirmation from the debtor that they can pay in full within 7 days.

    If the debtor is unable to pay in full, we will seek their repayment proposal and report back to you with our findings and recommendation. If their proposal is not accepted, it is recommended litigation is commenced.
  5. Guarantor Demand Notice - $270 + GST per guarantor
  6. This is normally served in conjunction with a statutory demand and is a formal notice to the guarantor(s) that if they do not pay the debt in full within 7 days, the debt will be loaded on their credit rating and legal action will follow.  If full payment is not forthcoming, it is recommended legal proceedings are commenced.
  7. Demand Letter - $75 + GST per debtor
  8. With the demand letter option, a formal demand is sent to the debtor via post and email and we follow up with a phone call. This option has a lower success rate with stubborn debtors. The debtor is given 7 days to pay in full. If the debtor is unable to pay in full, we will seek their repayment proposal and report back to you with our findings and recommendation. If their proposal is not accepted, it is recommended litigation is commenced.

    Please note: This option has a low success rate

We also charge commission on the amounts recovered.
Our commission rates are as follows:    

  1. $1.00 – $3,000.00    25%
  2. $3,000.01 – $15,000.00    20%
  3. $15,000.01 – $50,000.00    15%
  4. $50,000.01 – $80,000.00    10%
  5. $80,000.01 – $100,000.00    7%
  6. Over $100,000.01    Please ask us for a quote.

Still Have Questions?

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Our Process

  1. Once we have received your instruction, we will commence collection action within 1 – 3 working days. We aim to visit the debtor within one week of receiving the instruction and we will then report back to you with our findings and recommendation.If any proposal put forward by a debtor/guarantor is not accepted then we can issue legal proceedings via our solicitor. Further costs will apply and a fixed fee quotation will be supplied. If you are not willing to issue legal proceedings then we strongly suggest accepting a repayment proposal if one is presented, otherwise, we may not be able to recover the debt.    
  2. If you have a court order, once we have made a formal demand for payment, we can then commence enforcement action in the District or High Court. The enforcement action varies depending on the type of debt and debtor as each case is unique. These costs are claimed from the debtor regardless of any contract, and we will seek confirmation from you before proceeding as there are numerous options and the fees vary.
  3. If you do not have an address for the debtor, we may be able to locate them from a basic trace which costs $120.00 on top of the loading fee. If not, our investigation team can undertake a more detailed and thorough trace at a cost of $300.00 + GST. Results are not guaranteed, but success is far more likely via this method.
  4. If we are unable to locate the debtor, we can place the file on hold for a period of 3 months and then renew efforts to locate them.
CONTACT US

Important Note on Legal Advice

We do not provide legal advice. Any written or verbal advice we offer should not be considered legal advice. Our guidance is based on our extensive experience in debt collection, but it should be understood as general advice. If you require legal advice, we recommend consulting a qualified legal professional.

If you have the correct clause in your terms & conditions, collection costs will be charged to the debtor(s). You will be required to pay the loading fee regardless of any terms, and this is non-refundable. Commission is only payable when a payment is made by the debtor(s). Collection costs can not be added to a court order.

We have no hidden membership fees and you can use our services as little or as many times as you need. Some collection agencies charge lower up-front fees but have other compulsory fees that you discover later. You will never receive an invoice from us unless you have agreed to incur that cost.

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