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Changes in Payment Behavior – The Early WARNING SIGNS of Payment Behaviour

Every debt collection agency wishes they could investigate a crystal ball and see the future collections they will make. But when it comes to managing aged receivables sometimes paying attention to changes in behaviour can be enough to give you “the sight”.

This is even more important for business owners managing unmanageable debt.

There are some key behaviours that we suggest business owners pay attention to so that you can manage these tricky debtors before they become problematic.


Key Behaviours of Tricky Debtors

Late Payments

If you have certain clients that have always been “slow payers”, these clients must be strictly monitored as they are surely under financial stress. As a general rule, these types of debtors will, over time, spiral out of control. It’s best to keep in constant contact with your “slow payers”; otherwise it could get to the stage where they are unable to keep up with the level of debt they have accrued with your company.


Short Fall Payments/Odd or Sporadic Payments

This type of payment is a clear alarm bell in the debt collection agency. We can tell straight away that the debtor is trying their best to “keep the wolves at bay” by making small payments across all of their creditors. Immediate recovery action should be taken.


Constantly Changing Excuses

If our debt collectors in Sydney & Melbourne had a dollar for every excuse, we heard, each of us would own an island! Monitoring the excuses your debtors give for the lack of payments they are making can give you a better understanding of whether the excuses are valid or not. If they are constantly changing, then there is a fairly good chance that you are being fed a line.


Lack of Contact

This debtor is clearly experiencing financial hardship and may be in an uncertain position. This behaviour is the biggest red flag of all. If your debtor is not taking your calls, not replying to emails or just downright ignoring you, then immediate action must be taken to recoup your outstanding monies. Make sure you engage the services of a debt collection agency sooner rather than later.

It is so important to pay attention to your debtors and manage the problematic payers before they get out of hand. Making sure you monitor payments and are on top of any changes as they arise, so your bad debtors don’t slip through the system.

If you are noticing any of the above issues when it comes to your debtors, this is the perfect time to engage a debt collection agency to mitigate your loss.


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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.