Debt recovery resources
Free guides, calculators, and industry playbooks for Australian businesses recovering unpaid debts. Every page links to a free tool or an action you can take today. General information only — not legal advice.
Calculate, check, and verify before you send
Five free tools, no sign-up. See all free tools →
Debt + Interest Calculator
Calculate statutory interest on overdue invoices and the total amount owed today.
Open calculator →Limitation Period Checker
Has the statute of limitations expired? Enter the debt date and state — we tell you.
Check limitation →ABN Lookup
Verify an Australian Business Number — registered name, state, and status from the ABR.
Look up ABN →Payment Plan Template
Generate a structured repayment letter to offer your debtor before formal escalation.
Generate template →Progress Claim Generator
Build a progress claim for construction work — GST, retention and the amount payable calculated.
Generate claim →All free tools
Every calculator, checker and template in one place — free, no sign-up required.
Open the tools hub →Lawyer-reviewed guides on recovering debts in Australia
Bulk Debt Recovery: chase every unpaid invoice at once
Send a legal demand letter to every customer who owes you money, from one spreadsheet. $29 per letter.
See how it works →Australian Debt Collection Report 2026
10,000-word data synthesis on insolvency, late payment, and B2B recovery in Australia. Names the 40 slowest large-business payers.
Read the report →How to write a letter of demand in Australia
Step-by-step guide including a free template. What to include, what to avoid, and how to send it correctly.
Read article →Best letter of demand services in Australia (2026)
Side-by-side comparison of 8 Australian LOD providers — price, lawyer letterhead, turnaround, and who fits which debt size. Verified May 2026.
Read comparison →Letter of demand vs debt collector — which is right?
The upstream decision: LOD, debt collector, court, solicitor — plus 5 less-obvious routes. Decision matrix by debt size and debtor type.
Read article →How to chase an unpaid invoice in Australia — 9 options
Every realistic route from polite follow-up to statutory demand. Cost, time, success rate, and the right move by debt size bracket.
Read article →What happens if a debtor ignores a letter of demand?
Your options after no response — follow-up, small claims, court action, and lawyer referral.
Read article →Debt collection agency vs lawyer — which should you use?
Compare the cost, timeframe, and success rate of each approach for your situation.
Read article →Statute of limitations on debt in NSW
The 6-year rule under the Limitation Act 1969, exceptions, and what resets the clock.
Read article →Debt recovery rates in Australia
CreditorWatch + AFSA data on how likely you are to actually recover an unpaid debt.
Read article →How long to get paid in Australia
Atradius + ASBFEO data: average DSO is 52–55 days, not the 30 your invoice says. Industry breakdown.
Read article →Letter of demand vs small claims court
$29 LOD vs $172+ NSW Local Court filing fee. Cost, timeline, and recovery probability compared.
Read article →Construction debt collection — SOPA by state
State-by-state SOP Act comparison, the subcontractor payment chain, and when a $29 letter beats adjudication.
Read guide →7 insolvency warning signs — how to spot a customer going broke
One missed payment raises failure risk to 20%. The 7 signals to watch for — and what to do before the debt becomes unrecoverable.
Read article →Letter of demand vs debt collection agency — which to use first
$29 letter vs 10% commission: the cost maths, recovery timelines, and exactly when each option is the right call.
Read guide →Debt collection costs in Australia — what you will actually pay
$29 letter, 10% managed, 15–25% agency. Full cost breakdown with real dollar examples for debts of $500 to $25,000.
See pricing →Best debt collection services for tech companies
A $29 letter vs CreditorWatch Collect's AR automation vs InDebted's enterprise infrastructure — verified pricing and which fits your stage.
Read comparison →Best debt collection services for healthcare businesses
A $29 letter vs commission agencies eCollect and Bluechip Collections — verified pricing and which fits clinics, allied health and patient billing.
Read comparison →Best debt collection services for construction businesses
A $29 letter vs construction-exclusive solicitors Contracts Specialist and Jason Francis — verified pricing and when SOPA adjudication is the right next step.
Read comparison →SydneyCollect vs LegalVision
A $29 one-off letter vs LegalVision's $119-$1,350+/week unlimited legal membership — verified pricing and which fits a single overdue invoice.
Read comparison →Best debt collection services for professional services firms
A $29 letter vs Chaser's AR automation subscription (AUD 399-1,799/month) vs a commission agency — verified pricing and the relationship risk of each.
Read comparison →Best debt collection services for freelancers
A $29 letter vs Legal123's $99 one-off template vs Lawpath's $540/year membership — verified pricing for a single overdue invoice.
Read comparison →SydneyCollect vs InDebted
A $29 one-off letter vs InDebted's enterprise collections infrastructure — no public pricing, enterprise sales only. Verified against InDebted's own site.
Read comparison →Best debt collection services for retail businesses
A $29 letter vs commission agencies Bluechip Collections and eCollect — verified pricing for a specific overdue trade account.
Read comparison →Best debt collection services for real estate agencies
A $29 letter vs commission agencies Local Recoveries Group and Macquarie Collections — verified pricing for overdue rent and management fees.
Read comparison →Best debt collection services for hospitality businesses
A $29 letter vs commission agencies eCollect and AMPAC — verified pricing for unpaid F&B invoices, venue hire and cancellation fees.
Read comparison →Best debt collection services for transport and logistics
SydneyCollect vs AMPAC, Insight Mercantile and law firms for overdue freight, haulage and courier invoices, including when not to use each.
Read comparison →Free letter of demand template vs a paid service
A free template, a $99 paid template, or a $29 letter we send for you. What each costs and when to use it.
Read comparison →Debt collection agency vs solicitor vs platform
A commission agency, a solicitor membership like LegalVision, or infrastructure like InDebted — the full 3-way decision framework, verified pricing for each.
Read comparison →Debt recovery by industry
Industry-specific playbooks covering payment norms, common dispute patterns, and what works for recovering debts in each sector.
Construction & trades
SOPA rights, payment schedules, and adjudication for builders and subcontractors.
Professional services
Recovery for consultants, agencies, accountants, and other professional service providers.
Healthcare
Patient billing, insurer delays, and recovery for clinics and allied health.
Hospitality
Function deposits, supplier disputes, and recovery for venues and caterers.
Retail
Trade-account defaults, returns disputes, and retail debt recovery.
Transport & logistics
Freight invoices, demurrage, and recovery from non-paying shippers.
Real estate
Commercial rent arrears, agent commissions, and strata levy recovery.
Strata management
Unpaid levies, the NSW recovery sequence, and arrears across a portfolio.
Media & creative
Recovery for designers, freelancers, photographers, and production companies.
Education
Tuition arrears, RTO fees, and recovery for training providers.
Debt recovery by state and city
Local court info, jurisdiction-specific limitation periods, and how recovery actually works where you operate.
Sydney
NSW Local Court, small claims, and Sydney recovery options.
Melbourne
VCAT, Magistrates' Court, and Victorian recovery.
Brisbane
QCAT, Magistrates Court, and Queensland recovery.
Perth
Magistrates Court WA and WA recovery. Reference only — we are not licensed to collect in WA.
Adelaide
SACAT, Magistrates Court, and SA recovery. Reference only — we are not licensed to collect in SA.
New South Wales
Statewide guide to NSW debt recovery and limitation periods.
Victoria
Statewide guide to Victorian debt recovery.
Queensland
Statewide guide to Queensland debt recovery.
Ready to act?
Reading is good. Sending is better. A formal letter of demand takes 5 minutes and costs $29.
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