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Home » How debt recovery works

Get on with doing what you love, while we chase your slow-payers.

When you work with EC Credit Control, you have our team of experts at your disposal. Over the 30+ years, we’ve been in the business, we have been perfecting our debt recovery and total credit management process to bring you results, time and time again. 

Our team of New Zealand-based professionals are focused on helping you enjoy healthy cash flow, which is essential to every successful business.

Trusted by over 30,000 businesses throughout Australasia.

We provide support to a wide variety of businesses, from small business debt recovery to large corporates. Whether you’re a team of one or a team of 20, we give every client the same level of care

Our online portal makes it easy and gives you the power to load, track and collect debts with ease.

Prompt debt recovery with our simple 6 step debt recovery process.

How debt recovery works -You Load

1. You Load

Load your debt online using our easy web portal. This can be done by completing a simple form or by selecting invoices from your Xero or MYOB account.

How debt recovery works - We investigate

2. We Investigate

We will review the details of your debt, undertake searches on various databases and append any information to put us in a stronger position from the outset.

How debt recovery works - We contact

3. We Contact

The debt collection process begins. We utilise multiple communication channels to make contact as quickly as possible. 

How debt recovery works - Debt load fee

4. Debt Load Fee

We invoice you a debt load fee per debt loaded at the end of the month. A debt can be made up for multiple invoices.

How debt recovery works - We deliver

5. We Deliver

We charge commission on every dollar collected. No commission is charged until your debt is collected.

How debt recovery works - Job Done

6. Job Done

Your cash flow has been attended to, and your valuable time has been saved.

Talk To Your Support Specialist

Ready to load your unpaid invoices?

Now has never been a better time. Log-in or sign up today.

We work on a no collection, no commission cost structure. 

The only up-front cost to you is the debt-load fee of $50 (excluding GST).

Commission is charged to you based on the total payment received or arranged for recovery.

This is regardless of whether any recovery costs involved are collected.

Our commission charges (excluding GST) are as follows:

25% on the first $10,000.00
15% on the next $10,000.00
5% over $20,000.00

If they haven’t paid in 90 days, do load your debt for collection as soon as possible. To discuss your specific needs, get in touch.

This depends on many factors and is therefore different case by case. We have collected within 24 hours in previous cases.

Yes, this has a positive impact on reaching a quick resolution.

No, but please get in touch if there are special circumstances.

If you have comprehensive Terms and Conditions of Trade, you can often recover these costs from your customer. Contact us to see if this is possible.

Absolutely. We have Business Support Specialists throughout the country who in most instances can meet you in person or via our virtual meeting room. Click on ‘Contact>Locations’ in the top menu to find your local representative.

Our friendly Customer Service team are available to answer any questions.

Fill in the form and we will get in touch as soon as possible.

See what our clients are saying:

Heather Finlayson-Drower
Heather Finlayson-Drower
21. March, 2024.
EC Credit Control were amazing to deal with Quick and Efficient, I sent a email, I was emailed back saying they had forwarded within 30 minutes of sending it and within minutes of that email I had a call. From there it was easy, I explained what I needed what industry I required it for and they sorted everything.
AutostopAutomotive Limited
AutostopAutomotive Limited
19. March, 2024.
Awesome and easy to deal with thanks..
jan Tasker
jan Tasker
11. March, 2024.
EC Credit are always able to answer questions and give advice on Debt collection and PPS Registration matters. They respond quickly and professionally.
Queenstown Engineering
Queenstown Engineering
26. February, 2024.
Great working with EC Credit Control and having that support to keep our Terms of trade up to date, advice and registering applications with PPS. Makes running the business easier as one less thing to worry about.
Faye Thomas
Faye Thomas
20. February, 2024.
Super helpful, easy to deal with. Platform is easy to navigate. 10/10
Andrea Bracey
Andrea Bracey
15. February, 2024.
Very helpful and explained the process very well
8. February, 2024.
Very fast and easy to load documents. Great team very eager to help.
Melissa A
Melissa A
25. January, 2024.
Superb service, customer service, they get results and communication is top notch. Highly recommend in my experience.

Interested in improving your cash flow?

Find out how to set up a sound cash flow and invoicing policy for your business and your team, with our FREE Debt Management Guide.