EC Credit Control » Debt Collection Agency

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We make debt recovery easy.

You’re great at what you do – that’s why you’re in business. But that might not mean you have the time or the expertise to proactively manage and resolve your debt collection.

Effective debt management is essential for any business, and at EC Credit Control it’s what we do. As a reputable debt resolution agency, our team are specialists in getting you results.

By using our expertise, you can provide a cushion for your business, position yourself for growth and rest easy knowing your cash flow, and your customers, are in good hands.

Get more information

Our friendly Customer Service team are available to talk through the Debt Recovery process with you.

Call us today at 0800 324 768 or fill in the form and we will get in touch as soon as possible.

How much does debt collection cost?

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

When should we load debts?

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.

How long does it usually take to collect a debt?

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

Will debtors know we’re using a debt collection agency?

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

Can I cancel collection after I’ve already loaded the debt?

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

Can I on-charge my debt load fee and commission to my customer?

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.

Can I speak to someone in person?

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.

See what our clients are saying:

      EXCELLENT  
   Based on 223 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Sam Bennett 
 5 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. They have helped us from when we started our plumbing business. Very helpful along the way. Ascend Plumbing
  
 
      Posted on Google  
   
   Keith Tarsau 
 28 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great team, great communication and great results. Thank you so much for your help!
  
 
      Posted on Google  
   
   Alicia Mander 
 26 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I've used EC Credit Control for a number of years across several different companies and have consistently had a positive experience. They provided a comprehensive set of Terms of Trade that were practical, well-structured, and easy to implement within our business. A particular mention goes to Shaun Irvin, who was excellent to deal with throughout the process. His communication was prompt, professional, and clear, making the entire engagement straightforward and efficient. Based on my experience, EC Credit Control delivers a reliable service backed by knowledgeable staff who genuinely understand the needs of New Zealand businesses. I would happily recommend them to any organisation looking for credit management support, documentation, or advice.
  
 
      Posted on Google  
   
   Doug Vause 
 24 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am very happy to endorse the work and accomplishments of our experience with EC Credit Control. The initial sales connections were collegial and constructive as they guided us through the process, never rushing and letting us set the pace. Ordinarily, we don't incur bad debts, but a client had problems processing our payments due to an internal systems problem, and we needed help. Once engaged, EC Credit Control were very effective, with a very quick payment from our client. Evidently, they treated our client with courtesy and respect, and we maintain positive relations with our client. Well done, thank you.
  
 
      Posted on Google  
   
   NZFADE 
 19 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant company, had a debt sorted within a week, that had taken a month on my end to sort. Thank you.
  
 
      Posted on Google  
   
   Kevin Harty 
 12 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very, knowledgeable, polished and prompt
  
 
      Posted on Google  
   
   Robyn Bellve 
 3 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I really appreciated the clear and helpful support received from EC Credit Control when recently updating our terms and conditions and refining our customer onboarding process.
  
 
      Posted on Google  
   
   Kara Jordan 
 23 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I dealt with Colin - I found him incredibly helpful and great with communication. I would recommend EC credit control for all of your TOT needs. Thankyou
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

EC Credit Control offers you total debt management. Operating since 1989 we have the experience, skills and expertise to deliver these services to your business promptly and efficiently.

We’ve put together some brief stories that highlight what and how we’ve been able to help our clients.

EC Credit Control is today a recognised leader in the Debt Collection and Credit Management industries.

0800 324 768

We make debt recovery easy.

Get more information

See what our clients are saying:

Contact us

Freephone 0800 324 768

Phone 06 835 1800

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What we offer

Interested in improving your cash flow?