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It’s very easy to lend money but a lot harder to get it back from the borrower.


Grant Rudlin – Business Development Manager
P: (03) 9999 7916

How we operate

eCollect has undertaken recoveries for all areas of lending work.

We have special experience in the small to medium loan area i.e. loans under the National Credit Code up to $5000. This includes payday and similar lenders. Moving promptly with these type of debtors is essential. Debtors in the small to medium loan area are often mobile between jobs and residential locations. Making contact with them quickly allows us to develop a relationship which we hope becomes the basis for ongoing payments. ECollect understands the sensitivity in dealing with these types of debtors. There are many avenues for complaint including consumer legal centres, ASIC and AFCA. Our contact with debtors is designed to minimise the likelihood of a complaint but maximise the chances of obtaining a payment – either in full or by arrangement.

We are also developing skills in the buy-now pay-later finance businesses that are recently emerging.

Awareness of the ASIC/ACCC guidelines regarding collection practice is paramount for collection of debts due to financiers as is compliance with privacy legislation.

Where there is the ability to make a default to one of the credit report reporting bureaux, then this can provide a significant incentive for payment.

Increasingly, there is a class of debtor that knows the rules around collection and seeks to use those rules to delay or make the collection process more difficult. eCollect takes great pride in eventually making a recovery from these more difficult debtors.

Where the finance debt is of a commercial nature, eCollect has greater freedoms to negotiate and deal with the debtors. With these debtors, the prospect of litigation is usually raised. Dealing with secured debts is well within eCollect’s capabilities. Our account managers understand the legal basis of commercial debts and have experience in dealing with guarantors, mortgages over real estate and businesses, assignments of debt and other options for collection directly from the debtor.

eCollect is an ISO9001-2004 certified debt recovery agency licenced to operate in all regions of Australia and New Zealand. Debt recovery is provided on a No Recovery, No Charge basis. Terms and conditions apply.

eCollect has specialist collection staff.

• 10 years operation in New Zealand and 20 years in Australia.
• Dedicated account managers on your matters from start to finish.
• Online client portal for real time access to your files.
• In house legal should your matter require litigation.

If collecting outstanding accounts was easy, you would already have the money.

• No charge for lodging a debt.
• No upfront costs and no costs without your express approval.
• We share the risk with you because we all work on commission. We only get paid if you do!
• Debts of any size.
• You have nothing to lose and everything to gain.

We collect your money as if it was ours™ Getting started Your eCollect BDM will create an Authority to Act for you. This will detail your rates and confirm that eCollect is able to act on your behalf for the purposes of recovering the debts that you lodge with us. Your rates may be a sliding scale to accommodate different value debts.

Confirming demand

Your current terms and conditions may impact on the demand issued. A legal practitioner will review the terms and conditions on your behalf to confirm what can be demanded from your debtor. There is no charge for this review.

Submitting a debt

Being able to provide a debtor with evidence is their debt is a legal requirement. When submitting a debt for recovery, we require contact details, the invoice and or contract and confirmation that the debt is free of legal dispute.


eCollect reporting is by the calendar month.

eCollect client portal – available at all times via secure password and website. Contains all reports, payments, invoices, statements, file notes and correspondence relating to your matters. Your ecollect BDM will assist you.

Email a combination of automated emails and monthly statements will be provided at milestones such as a payment received.

Your eCollect team

Business Development Manager – your BDM is your primary point of contact for all business related matters. They will provide training and assist with debt uploads. They work on commission.

Account Manager – your debt collector is a subject matter expert in their industry. They will be assigned to your account and will see all matters through from lodgement to completion. They work on commission.

eCollect Senior Management – day to day operations are managed by the BDM and AM but eCollect senior management are always available to you.