Debt Collection across ASEAN: Upper Class Collections Pty Ltd
Upper Class Collections is a premier debt recovery agency in Australia offering effective debt collection services, trusted since 2006, with operations across ASEAN, and Debitura partner offering No Cure No Pay based on Debitura's No Cure, No Pay standard terms; TCM Group and IACC member.
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Company description
About Upper Class Collections – Debt Collection in Australia
Upper Class Collections Pty Ltd is a leading debt collection agency in Joondalup, renowned for its comprehensive and innovative debt recovery solutions since 2006. With a strong network across the ASEAN region, the firm is committed to delivering effective services while ensuring compliance with international data protection standards.
Proven Results
Upper Class Collections is recognized as a trusted partner for many top-tier organizations globally. As a member of the TCM Group and the International Association of Commercial Collectors (IACC), the company adheres to high-quality standards. These affiliations highlight their commitment to excellence in commercial debt recovery, providing clients with efficient solutions tailored to their specific needs. The firm’s extensive reach and expertise make it a preferred choice for businesses seeking reliable debt collection support.
Meet the Team
Founded by Graham Lacey, Upper Class Collections has grown from a small venture in Joondalup to a prominent global player in debt recovery. The team includes industry veterans such as Managing Director Graham Lacey, Debt Collector Naomi Pabinguit, and Sales and Marketing Specialist Katrina S. These professionals bring a wealth of experience and a hands-on approach to managing complex debt recovery cases, ensuring seamless operations and favorable outcomes for clients worldwide.
Services & Industries
Upper Class Collections is an expert in pre-legal (amicable) debt collection services in Australia and ASEAN countries, offering solutions on a "No Cure, No Pay" basis under Debitura's terms. Their services span across local B2B and B2C account recovery, field services, and outsourced business process management. The firm caters to a diverse range of industries, including banks, educational institutions, and healthcare. As a Debitura partner, Upper Class Collections provides clients peace of mind and expertise in legal debt recovery.
Coverage
Upper Class Collections is committed to expanding its presence across the ASEAN region and Australia, with a long-term goal of establishing an office in every ASEAN country. Currently, the firm's offices are strategically located in key cities to better serve clients:
- Australia, Perth: Upper Class Collections Pty Ltd
Unit 2, 48 Winton Road, Joondalup, Western Australia 6027 - Malaysia, Subang Jaya: Upper Class Collections Sdn Bhd
Sunway Geo Avenue, Jalan Lagoon Selatan, Sunway South Quay, Bandar Sunway, Subang Jaya, Malaysia 47500 - Singapore: Upper Class Collections Pte Ltd
5 Shenton Way, UIC Building #10-01, Singapore 068808 - Vietnam, Ho Chi Minh City: CONG TY TNHH Upper Class Collections
214 Hoang Hoa Tham, Ward 12, Tan Binh District, Ho Chi Minh City, Vietnam - Indonesia, Medan: Upper Class Collections Pty Ltd
Grand Jati Junction Medan, JL. Perintis Kemerdekaan No 3A, Kota Medan, Sumatera Utara, Indonesia 20218 - Philippines, Cebu City: Upper Class Collections Corp
Tower B, West Geonzon Street, Cebu I.T. Park, Apas, Cebu City, Philippines 6000
Their compliance with the Debt Collectors Licensing Act 1964 in Western Australia, together with a track record of reliability and advanced IT systems, underscores their authority in the field. For further context, see Debitura’s Australia debt-collection guide, which outlines local regulations and best practices.
PRICING MODEL
As a Debitura partner, Upper Class Collections Pty Ltd offers its services under Debitura’s Standard Debt Collection Agreement and pricing model.
The firm operates on a contingency-based commission structure, charging fees only on successfully recovered amounts. No upfront fees, lock-in contracts, or annual subscriptions are required, ensuring clients face no charges unless funds are collected. This is in line with the "No Cure No Pay" policy, where Upper Class Collections Pty Ltd absorbs initial risks.
For more detailed information, view the pricing: here.
Upper Class Collections Pty Ltd may recommend legal action for disputed or unresolved claims. Legal proceedings are not covered by the standard No Cure No Pay agreement. If required, a custom quote will be provided for client approval through the Debitura platform.
Process
To submit a debt-recovery claim to Upper Class Collections Pty Ltd, please first create a free profile on Debitura. Once registered, upload your claim through the Debitura portal, where the exact success fee will be clearly displayed prior to submission. During this process, you will digitally execute a Power of Attorney (PoA) via the Debitura platform, authorizing Upper Class Collections Pty Ltd to carry out pre-legal debt collection activities on your behalf.
Debitura’s Standard Debt Collection Agreement
As a Debitura partner, Upper Class Collections Pty Ltd operates under Debitura’s Standard Debt Collection Agreement. The agreement also defines the Minimum Service-Level Requirements that must be met throughout the pre-legal stage.
Pre-Legal Debt-Collection Workflow
The exact collection strategy is tailored to each case, yet it generally follows these steps:
- Step 1 — Case approval (≤ 48 hours): Upper Class Collections Pty Ltd reviews the submitted documentation and confirms acceptance of the claim.
- Step 2 — Skip-tracing: Debtor location and contact details are verified and updated in the system.
- Step 3 — Formal demand notice: A written demand for payment is issued to the debtor.
- Step 4 — Multi-channel collection campaign (3–6 months): A coordinated campaign involving letters, emails, phone calls, and SMS messages is carried out to secure full payment. If immediate settlement is not achievable, an instalment agreement may be negotiated and signed.
- Step 5 — Legal escalation (optional): If pre-legal efforts do not succeed within six months, Upper Class Collections Pty Ltd may recommend initiating legal proceedings. Legal action falls outside the scope of the Standard Debt Collection Agreement. All associated costs will be clearly quoted in the Debitura portal and will require your explicit written approval before proceeding.
Debitura matches each case to a vetted local partner and you pay a success fee only when money is recovered. Read how debt collection works in Australia.
Services offered
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B2B Debt Collection Agency in Australia: No Win, No Fee
