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Debt Collection Guidelines

When an entity owes you money, it can be a little uncomfortable on both sides of the equation. You need your debt repaid because it’s affecting your cash flow, and you may be feeling uneasy about it. Your debtor is probably looking for ways to keep up their end of the bargain, so they may not be having the best experience either. This can make for an unpleasant experience all around, but there ARE ways to ease the process.

Your best option is to hire a debt collection agency. Because they have professional experience in collecting debts, and because they are a third party with no personal stake, so they are further removed from the situation. This allows them to be rational and objective, leaving their emotions out of it and vastly improving your chances of successful debt recovery.

However, to keep the process civil and amenable, certain regulatory guidelines apply to debt collection. They are issued by ACCC (Australian Competition & Consumer Commission) in association with ASIC (Australian Securities & Investment Commission). These laws are intended to protect debtors, but they can help creditors as well.


What the debtor should do

In many situations, a debt collector begins from a defensive position. Unfortunately, the debtor does too. To de-escalate the situation, a debtor can help ease their creditor’s mind by not actively trying – or seeming to – avoid repayment. This puts creditors on edge, so debtors should be pro-active.

The moment they realise they are in difficulties, as scary as it may be, they should approach their creditor and explain the situation. Be honest and re-negotiate payment terms, pointing out debilitating factors (like loss of income, delays from your debtors, and competing debts you might have). Since a debtor may have a hard time figuring this out on their own, they are advised to get help from a debt counsellor or financial advisor.


What a creditor should do

In cases where the debtor doesn’t make the first move, the creditor should hire an expert to mediate. When you’re looking for debt collectors in Sydney, pick up the phone and call Boston Commercials. We apply discretion and legal services, offering you a smooth, stress-free debt recovery process for everyone involved. We will contact your debtor under the legal guidelines of debt collection.

We protect the privacy of the debtor by verifying that we are speaking to the actual debtor. We do this at the start of every phone call. We also ensure that we only call between 7.00 a.m. and 9.00 p.m. on weekdays, or 9.oo a.m. and 9.00 p.m. on weekends. We never call on holidays, and we never visit debtors at home unless they ask us to.

Along the same lines, we restrict communication – by phone and email – to ten times a month as per the statutes of ACCC. We use the communication channel that the debtor prefers, so – for example – we avoid calling them if they have explicitly said they prefer emails.

For further advice and assistance on debt collection in Melbourne, call Boston Commercials today on 1300 668 699.


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  • I have worked closely with Boston Commercial Services for over twenty years across four different companies and would not work with anyone else in regards to helping me with my outstanding accounts. Whenever I have started a new role, the first thing I am asked is, “How would you go about cleaning up our accounts receivable ledger?” My answer is always the same – “The first thing we need to do is call Boston Commercial Services”.

    Voytek Bradford

    Freedom Foods Group Limited (National Credit Manager)

  • I have known the principal of the BOSTON Group (Derryn HARRISON) as well as key staff members (including Ben GOWER) for well over 2 decades and have been using their professional services for myself as well as for Powerhouse Logistics Pty. Ltd. on a regular basis, not only in Sydney but on a national basis.

    At all times BOSTON have been extremely pro-active, attentive, courteous and professional with all matters we threw at them. Their advice has always been extremely sound and commercial and I find them to be a "breath of fresh air" within the legal fraternity and have no hesitation whatsoever to highly recommend them.

    Peter Brueckner

    Powerhouse Logistics Pty Ltd (CEO)

  • Expect A Star has worked with The Boston Group for 10 years. In this time we have appreciated the ongoing support of Boston for all of our collection and legal requirements. Like most businesses cashflow is critical to ongoing success and growth, with Boston we have found a partner who are an extension of our business and play a key part in our cashflow management. The Boston Group bring a level of expertise to our business which is valuable and coupled with their excellent customer service we look forward to continuing to work with them for many years to come.

    Ryan Meldrum

    Former CEO

  • I have been using the services of The Boston Group and their legal entity for over 11 years. During this time I have found their service to be impeccable, delivered with the utmost professionalism and integrity. The vast majority of cases that I have placed with Boston were far from straightforward, requiring legal acumen and delicate handling. Having used all methods available without success to procure payment, I confidently placed these matters into their safe hands. In all instances a successful outcome was achieved.

    Mark Parish

    Credit Manager

  • SNP Security has had the pleasure of working with Boston Commercial Services for the past 11 years. Boston has played an integral part in the continuing success of SNP Security’s low DSO’s, 90 Day % Debt & of course Bad Debts Written Off.

    Amanda Griffiths

    National Administration Manager

Boston Commercial Services prides itself in offering specialised, professional services, through a highly experienced team of debt collector, with personalised client attention.