Plain-English help with debt.
Guides, walkthroughs, and policy explainers — written for people, not lawyers.
Debtor disputes — how to handle them without losing the debt
When a debtor raises a dispute, the wrong response can lose you the recovery and trigger a regulator complaint. Here's how to handle disputes properly.
Read articleSmall claims vs commercial debt recovery — when to pick which
When you should sue in NCAT/VCAT/small-claims yourself versus hand off to a debt-recovery platform.
Read articleCard-on-file vs direct debit for recovery — what works?
Card-on-file via Stripe vs direct debit via NPP — which actually recovers more reliably, and where the trade-offs sit.
Read articleCredit reporting in Australia, explained
How credit reporting bodies work, what gets listed, when default listings can happen, and what to do if a listing is wrong.
Read articleThe ASIC Debt Collection Guideline, explained
Plain-English summary of the ACCC/ASIC Debt Collection Guideline — the conduct rulebook for Australian debt recovery.
Read articleWhat is AFCA, and when should I use it?
AFCA is free, independent, and binding on the financial firm. Here's when it's the right escalation, and how to use it well.
Read articlePaying off a debt with a payment plan — what to know
How to negotiate and structure a payment plan that's realistic, sustainable, and actually closes out the debt.
Read articleWhat debt collectors can and cannot do in Australia
A specific list of the conduct rules debt collectors operate under — what's lawful, what isn't, and what to do if a line is crossed.
Read articleFinancial hardship application — a step-by-step guide
How to apply for hardship in Australia: what documents you need, what to write, and what happens once you submit.
Read articleYour rights as a debtor in Australia
What debt collectors can and can't do, how hardship works, and the escalation paths if you're being treated unfairly.
Read articleChasing overdue invoices without damaging customer relationships
Recovery is a tone game. The wording, timing, and channel of your follow-ups predicts whether the customer pays — and whether you keep them.
Read articleDSO benchmarks for Australian sectors
Days Sales Outstanding benchmarks across Australian B2B sectors, with practical guidance on what's high, what's normal, and what to do.
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