Debt Collection Agency in Australia - No Win, No Fee
Your claims are handled exclusively by Upper Class Collections, our registered Australian debt collection partner with 20 years of expertise and offices across Asia-Pacific.
Why Choose Debitura for Debt Collection in Australia
Fast, simple and risk-free debt collection in Australia
Debitura connects you with Upper Class Collections, a Perth-based agency with 20 years of expertise, IACC membership, and offices across Australia and Asia-Pacific. As TCM Group members since 2014, they bring global reach with local knowledge.
- Risk-free: Pay only when we recover your money.
- Quick setup: Submit invoices in a few clicks.
- Real-time tracking: Monitor progress live in one portal.
- Local expertise: Registered Australian specialists handle everything.
Getting started is easy
- Create your free account - No credit card required. Set up takes under 2 minutes.
- Upload your claim - Enter debtor details, invoice amount, and upload supporting documents.
- Upper Class Collections takes over - Your dedicated case manager contacts the debtor within 24 hours.
Already using accounting software? Connect your ERP (Xero, MYOB, QuickBooks, SAP, or NetSuite) for automatic claim syncing and real-time status updates. Get Started for Free →
Transparent, success-based pricing
Debitura operates on a No Win, No Fee model. You only pay when we successfully recover your money.
- Zero upfront costs - No setup fees, no subscription, no hidden charges.
- Success-based fees - A percentage of the recovered amount, deducted only after collection.
- Competitive rates - Volume discounts available for businesses with multiple claims.
- Full transparency - Know your costs before you start.
Fast, simple and risk-free debt collection in Australia
Debitura connects you with Upper Class Collections, a Perth-based agency with 20 years of expertise, IACC membership, and offices across Australia and Asia-Pacific. As TCM Group members since 2014, they bring global reach with local knowledge.
- Risk-free: Pay only when we recover your money.
- Quick setup: Submit invoices in a few clicks.
- Real-time tracking: Monitor progress live in one portal.
- Local expertise: Registered Australian specialists handle everything.
Debt Collection Process in Australia - Clear, Fast and Fully Managed
Why you can trust this guide
At Debitura, we uphold the highest standards of impartiality and precision to bring you comprehensive guides on international debt collection. Our editorial team boasts over a decade of specialized experience in this domain.
Questions or feedback? Email us at contact@debitura.com — we update this guide based on your input.
Debitura By the Numbers:
- 10+ years focused on international debt collection
- 100+ local attorneys in our partner network
- $100M+ recovered for clients in the last 18 months
- 4.9/5 average rating from 621 reviews
Expert-led, locally validated
Written by Robin Tam (16 years in global B2B debt recovery). Every page is reviewed by top local attorneys to ensure legal accuracy and practical steps you can use.
Contributing local experts:
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From first contact to final recovery, your Australian debt collection follows a proven four-stage journey. Most commercial debts resolve during amicable collection (informal collection activities), with legal escalation available only if needed and always under your control.
- Most B2B debts resolve within the amicable phase without court involvement.
- The 6-year limitation period (most states) provides ample time to pursue recovery.
- Legal escalation available through Debitura's quote-based model if needed.
- Full enforcement options including garnishee orders and property seizure for judgments.
Step 1: Initial assessment and debtor contact 📤
Upper Class Collections reviews your claim documentation and initiates contact with your debtor within 24 hours of case assignment.
- Formal letter of demand issued (strongly recommended before any court action per NSW Small Business Commissioner guidelines).
- Multi-channel contact: phone, email, and written correspondence.
- ACCC/ASIC RG 96 guidelines followed - contact limited to 3 times per week maximum.
- Debtor financial position assessed to determine optimal recovery strategy.
⏳ Duration: 1-2 weeks for initial response.
Step 2: Negotiation and payment arrangements 🤝
If the debtor acknowledges the debt but cannot pay immediately, Upper Class Collections negotiates structured payment terms.
- Written payment plans documented and monitored.
- Part payments accepted - can reset the 6-year limitation period under Limitation Act 1969 (NSW) s.54.
- Debtor hardship provisions considered where applicable under National Credit Code s.72.
- All communications compliant with Australian Consumer Law harassment and coercion provisions (ACL s.50).
⏳ Duration: 2-6 weeks depending on debtor cooperation.
Step 3: Escalation warning and final demand 🏦
Where informal collection activities do not produce results, Upper Class Collections issues a final demand with clear legal consequences.
- Final letter of demand with 14-day response deadline.
- Clear statement of intended legal action if payment not received.
- Statute-barred debts handled per RG 96 guidelines - no legal threats if limitation expired.
- Full cost breakdown provided before any escalation decision.
⏳ Duration: 2-3 weeks.
Step 4: Resolution or legal escalation ⚖️
Most claims resolve during the amicable phase. For disputed or non-responsive debtors, Debitura provides up to 3 fixed-price legal quotes.
- NSW Local Court: claims up to AUD 100,000; Small Claims Division up to AUD 20,000 (informal procedure).
- Victoria Magistrates Court: civil disputes up to AUD 100,000; default judgment available if no defence within 21 days.
- Queensland QCAT: minor debt disputes up to AUD 25,000.
- Bankruptcy proceedings available for debts over AUD 10,000 (AFSA threshold).
⏳ Duration: Court proceedings typically 2-6 months; enforcement adds 1-3 months.
Debt Collection Pricing in Australia - Transparent, Success-Based Fees
- No upfront fees - pay only when your money is recovered.
- Success fees from 7.5% to 30% depending on claim value.
- Legal escalation via quote-based model - up to 3 fixed-price quotes, no obligation.
- Partner invoices in AUD with 10% GST on collection services (per ATO ruling).
Pre-legal collection fees
Debitura's success fees are tiered by the amount recovered. All thresholds are in USD regardless of claim currency:
- USD 100 - USD 999: 30%
- USD 1,000 - USD 7,999: 20%
- USD 8,000 - USD 74,999: 15%
- USD 75,000 - USD 149,999: 10%
- Above USD 150,000: 7.5%
Example: If AUD 75,000 (approximately USD 50,000) is collected, the partner deducts 15% and transfers the balance to you.
Optional legal action
If amicable collection does not succeed, Debitura sources up to 3 fixed-price quotes from vetted Australian law firms. You review the quotes and decide whether to proceed - there is no obligation.
- Court filing fees vary by state and claim value (e.g., NSW Local Court fees based on amount claimed).
- Legal costs may be partially recoverable from the debtor if successful.
- Sheriff/Bailiff enforcement fees additional if property seizure required.
- Bankruptcy petition costs apply for debts over AUD 10,000.
What you pay - and when
Upper Class Collections invoices you only after successful recovery. The success fee is deducted from recovered funds before transfer. GST of 10% applies to debt collection services per ATO guidelines.
Full pricing details: debitura.com/pricing
Get started - submit your claim ->
Who We Help with Debt Collection in Australia
Whether you are chasing a single overdue invoice or managing receivables across multiple Australian states, Upper Class Collections and Debitura provide the local expertise and technology to recover your money - fast. With 20 years of experience and IACC membership, we understand the challenges of collecting debts across Australia's federated legal system.
SMEs and growing businesses
One overdue invoice can impact cash flow significantly. Submit your claim in under 2 minutes and let Upper Class Collections handle the rest - no upfront cost, no risk.
Ideal for: Exporters, manufacturers, wholesalers, and service providers with occasional unpaid invoices.
Enterprises and multinationals
Managing receivables across NSW, Victoria, Queensland, and other states means dealing with different court systems. One dashboard, one contract, unified reporting.
Ideal for: Credit control teams, treasury departments, and finance leaders needing consolidated oversight.
International creditors
Collecting from Australian debtors when you are based overseas requires local knowledge and registered representation. Upper Class Collections operates from Perth with offices across Asia-Pacific.
Ideal for: Businesses in Singapore, Malaysia, New Zealand, the UK, the USA, and the EU collecting from Australian customers.
Start Recovering Your International Debts Now →
Our Australia and International Expertise
Debitura provides debt collection services across 183 countries through a network of 500+ vetted local partners. In Australia, Upper Class Collections delivers on-the-ground expertise with 20 years of experience and offices in Perth, Singapore, Malaysia, Vietnam, Philippines, and Indonesia.
Whether your debtor is in Sydney, Melbourne, Brisbane, or regional Australia, our partner navigates the state-specific court systems and enforcement procedures. For cross-border claims involving Australian businesses, we connect you with licensed specialists in Europe, the Americas, Asia, and Africa - all through one contract and one dashboard.
Find a Local Collection Partner in Your Market →
Tech-Enabled Debt Collection in Australia - ERP, API, AI and Secure Integrations
Managing receivables across multiple Australian states and international markets often means fragmented systems, inconsistent reporting, and manual processes. Debitura brings everything into one platform - connecting you to Upper Class Collections and 500+ partners in 183 countries through a single dashboard:
- ERP integration: Connect Xero, MYOB, QuickBooks, SAP, Oracle, or NetSuite for automatic claim creation and status sync.
- API access: Build custom workflows with our developer-friendly REST API.
- Zapier connectivity: Link 5,000+ apps without code - automate notifications, updates, and reporting.
- AI-powered insights: Predictive analytics help prioritise claims by recovery likelihood.
- Bank-grade security: ISO 27001 framework, encrypted data transfer, and GDPR-compliant handling.
- Credit checks: Run debtor credit assessments directly from the dashboard before or during collection.
Find a Local Debt Collection Lawyer
Need court-ready representation? Share your case once and receive up to three proposals from vetted litigation attorneys—free, fast, and with no commitment.
- Verified specialists
- Quotes in 24 h, no hidden fees
- Fair, pre-negotiated rates
Upper Class Collections Pte Ltd is a premier debt recovery agency in Australia offering effective risk-free debt collection services, trusted since 2006, with operations across ASEAN, and exclusive Debitura partner offering No Cure No Pay based on Debitura's risk-free standard terms; TCM Group and IACC member.
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Frequently Asked Questions
Explore our most common FAQs below—or reach out directly at contact@debitura.com if you need help with a specific case.
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