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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:

Melissa A
Melissa A
25. January, 2024.
Superb service, customer service, they get results and communication is top notch. Highly recommend in my experience.
Rhiannon Jarvis
Rhiannon Jarvis
23. January, 2024.
Highly effective tools backed up with a knowledgeable, personable account manager and team of people who are easy to contact and efficient at getting you the info you need, when you need it. Recommend!
Scott McPhee
Scott McPhee
15. January, 2024.
Very helpful and really nice guy to deal with. Highly recommended
Lachlan Mackie
Lachlan Mackie
15. January, 2024.
EC credit control is great to work with, good communication and regular updates. With their system its super easy to load customers. We had a couple of successful debt collections already. Thank you
Alexandra Thompson
Alexandra Thompson
11. January, 2024.
Awesome service and communication. Sorted out the debt in a timely fashion with updates along the way.
Guy Morgan
Guy Morgan
8. January, 2024.
A very efficient and easy to use system that is backed up with competent, friendly staff. They gave good advice and recovered the debt on time and in full. I have no problem fully recommending them.
Nick Watts
Nick Watts
18. December, 2023.
Super stoked with EC Credit Control - They fulfilled all our requirements for our customers TOT's. They also offer a great PDF fillable account for which makes filling them out a whole lot easier. Shaun at EC was extremely good to deal with. Prompt quick turnaround service, highly recommend.
Ross Dungey
Ross Dungey
14. December, 2023.
Very helpful staff and good results, no long time wait to get answered on the phone either.
Keith Ansell
Keith Ansell
13. December, 2023.
Good Info and well presented
Jacqui Porter
Jacqui Porter
12. December, 2023.
Easy to load debt, prompt and clear communication received and assistance when required. Would highly recommend. 5 Star service.

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.