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Some debt collection techniques

Good debt collection techniques start even before the debt is issued.

Some businesses can afford to avoid debt. They can apply a ‘no release until payment’ policy, enforcing strict cash-on-delivery. This isn’t always the case though. Many businesses run on the 90-day-payment rule. Unfortunately, once your 90 days stretch to 180 days, it’s far more difficult to recover, so before you sign that three-month line, check your client’s credit status and financial background. Run due diligence and keep clear records.

Have it all on paper

Once you’re satisfied that your client can pay, draft distinct legal documents (have your lawyers approve them). They should include all the details – delivery details, due dates, penalties, and interest rates. The client can confirm whether they’d like payment prompts and if so, you could send them weekly, reminding them when their debt is due. Be sure to get their permission for the pre-payment notifications, so they don’t feel harassed.

Both before and after the due date, keep track of how often you contacted them. This matters because ACCC (Australian Competition and Consumer Commission) and ASIC (Australian Securities and Investment Commission) stipulate you can only reach a debtor up to ten times a month. Be sure to just get in touch during work hours – that’s in the rules too. If you accidentally break these conditions, it could affect your ability to have your debts paid.

Keep it friendly

When the due date arrives, you can send a formal notice, just in case they forgot. Genuine cases will respond immediately, and you can begin to resolve the issue. If there’s no answer, wait a week or so, then send a second reminder. Your third reminder of overdue payment should be the final one before you try to raise them on the phone. This would be nearly a month after the due date, and it’s a good time to seek professional debt collectors in Sydney. They can open communication lines and – if needed – issue a formal demand for payment.

By the time you’ve been nudged into making a phone call, your debtor has probably ignored your emails, so you’re fairly agitated. Don’t make the call yourself. Let your debt collectors do it for you. They’ll have better results. Here at Boston Commercial Services, we specialise in initiating phone contact and cordially renegotiating late payments. We’ll keep records of every action we take on your behalf, and in the unlikely eventuality that things end up in court, our partnering law firm is on hand to help.

For assistance with debt collection, call Boston Commercial Services today.


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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.