You will have no lack of choices looking for debt collectors in Scotland. If you search Google you will receive 1,340,000 results, 10 adverts and 8 suggestion for other search terms. By using our tips of the trade, you can reduce the results down to a more manageable 20 results and no ads!
If you desire a visual look at debt recovery firms in Scotland, we can show you how to easily do that (at the bottom of page).
The solution we demonstrate to you is fantastic, if you are looking for debt collector near you. Or you are outside Scotland and you need a Scottish debt collector. More importantly you might need a debt recovery agent who is located near your debtor.
Scottish debt collection has some major differences from the rest of the UK. You need to use a Scottish based debt collection agency.
Nearer the debtor is better than nearer you. It means the agent can visit more often – if need be.
You will learn how to use Google operators to find exactly what you want. This technique will certainly reduce the results to debt recovery UK companies. Reducing the time it takes you to find a suitable debt collecting company in Scotland.
All you do is copy and paste either of the above into a google search bar/box. Your results are now reduced to 2,610 and 3,660, respectively. These numbers are dynamic and change form hour to hour. But it is far easier for you to review a few thousand results than several million.
Insider Tips On Searching For Debt Collectors in Scotland
You will find more than a few solutions in the following paragraphs. There will be one particularly suited to you. Each solution becomes more focused and concentrated. You can mix and match the search terms until you find exactly what you are looking for.
These tips of the trade will save you an enormous amount of time and effort. And your money.
This reduces the ridiculous amount of results into 1,000’s rather than time consuming millions. It allows you to make a better choice; quickly and easily.
Debt Collection Companies Scotland
You are never going to believe what number of results this provides. As the more words there are in a search term, the more results. On this occasion 23,000,000. If you are an international debt collector or lender, this looks like a lost case.
You can use “parentheses” and search “Debt Collection Companies UK” and the numbers are miraculously reduced to 40,000.
However perhaps even this reduction in search results for a debt collector or a debt collection company in the UK is not good enough for you. You want to know exactly where they are. Or are they good enough for you.
Let us go back to our initial search for debt collectors Scotland.
Debt Collectors in Scotland
We are going to show you one of Google’s most awesome and breathtaking tools. One has to assume though, that any company worth its salt is registered or connected to Google in some shape or form. Not only does this show you the location it includes reviews. Though you can take a review for what it might be worth. However generally their value averages out over time.
We are ready to show you a quick video on how to use Google Maps. This is not edited and is the actual time you will invest. From 50 – 60 seconds.
Map To Success
The Easiest Way to Use Google
How To Find Debt Collectors in Scotland15 minutes
Find and open Google maps.
Enter the town of your debtor
Always try to find a debt collector near the debtor
Service you require
You can search for debt collector or debt lawyer or repossession agent.
Make a choice
Make a list of 3 and call them. Have your questions prepared.
You will: Choose from Aberdeen, Glasgow, Edinburgh or even the smallest village.
Open google maps
Change search details to Edinburgh
Type debt collectors into search box
Further investigate Edinburgh:
increasing/decreasing size with +/- on bottom right hand
click on red markers to research debt collectors
You will clearly see that when we click on the red marker it highlights the company on the left sidebar (or pops up), giving you the address, reviews, and website etc.
None of the debt recovery companies or debt lawyers that we click show, are not be considered a recommendation. It is only for demonstration purposes.
Other Location Based Services
This has nothing to do with debt recovery companies or debt collectors. There are many of you who will realise that using google maps is awesome for discovering any location based service.
After finding the location type in any service that you require.
Are You A Debtor Living in Scotland
If you are a Scottish based debtor living in Scotland, beware of what looks like an advice website. They will inevitably lead to a fee charging website. You can visit Stepchange or CAB for free advice. These should be your first port of call.
Are Debt Collectors Legal In Scotland
Debt collection agents in Scotland are legal. However, what they can do is limited. Notwithstanding that they may say stuff that worries you. They can ASK but RARELY demand action. They are allowed to contact you at a reasonable time without embarrassing you.
Agents representing themsleves for debt collection in Scotland should not be confused by Sheriff officers. Debt collection agents will request payment whereas sheriff officers can take your belongings. Seek advice before a sheriff appears.
Comments and Suggestions
You have read and seen our ideas. If you have any suggestions about debt collectors in Scotland or debt recovery agents in the Scotland – everyone would like to hear them. Recommendations or otherwise.
This article is not exclusively about Moorcroft Debt Recovery and the Moorcroft Group. Nor is it a legal loophole to get you out of debt. Nor is it, to persuade lenders to use Moorcroft debt recovery or any of its debt solutions competitors.
What we will explain is information that is not widely distributed. Everyone talks about the law. We will talk about our inside knowledge of how debt collection companies work.
We have no axe to grind as this article will cover us, you, lenders, debt collectors and the law. In that order.
There are 100’s and 1,000’s of debt recovery companies in the UK, USA, and Australia. They all basically follow the same path. A bit like follow the money.
Firstly: Information About Us
What gives us the right to talk about debt collection. We have had many roles as employees and our own business in the debt collection and lending world for 4 decades. From doorstep lending to deals worth 100’s of millions. Asset repossession to writing off debt – permanently. We give you access to the inside workings of lending and collection institutions.
Our biggest piece of information is that what man can make, man can amend. By this we mean if anyone and we mean anyone says that something cannot be done or undone – they are simply lying. Debts can be written off. Credit bureau records can be undone. The LAW can be circumvented – as long as it is in the debtors (you) favour.
Frequently Asked Questions About Moorcroft
What is the email address of Moorcroft Debt Recovery?
[email protected]. You can use this email address for all sorts of questions. General enquiries, complaints, and compliance. If you are not good on the phone, ask them to make this your primary contact method. They will ask you to jump through a few hoops. Ay least this gives you a copy of all their responses and timings.
What is Moorcroft debt recovery phone number?
0330 123 9765. This number is NOT a premium number. You can use this to make payments, ask for you balance. It is also a helpline for people who are struggling with debt. You can use it to ask for the file they hold on you which can be had for FREE. Another question to ask is that a transcript of the call to be sent to you. Either a paper transcript or an audio file.
Is Moorcroft Group legitimate?
You can bet your last penny that it is. It has every licence you could imagine. They have more lawyers making sure that they are properly registered than most financial institutions. Do not waste your time querying if they are legitimate.
Who do Moorcroft collect debts for?
They collect for a whole crowd of companies and industries: water, gas, and electricity companies. Banks and financial institutions. In addition, they collect debts for local, regional, and national government departments. They are also highly active in the telecommunications industry.
Can you complain about Moorcroft?
YES. Best place is to start with is their complaint hotline – 06161 475 2970. Remember the people on these lines are highly trained; no matter what you believe or think. This is the place to start before you start writing to the financial ombudsman. Ask for a transcript of your conversation or copy of the audio file. Ask for this at the beginning of the call.
What is Moorcroft Debt Recovery address?
If you want to write to Moorcroft about you account, copy of file request, or general information, the address is: It might be an idea to send your letter by recorded delivery and have it signed for. 2 Spring Gardens, Stockport, SK1 4AA
Are Moorcroft allowed to buy my debt?
This is something you have to check in your original agreement. There should be a section of how your account can be assigned. You can ask Moorcroft or your original lender for a copy of this highlighting the area that allows either the sale, transfers or use of third party debt collectors. You might need a lawyer to do this for you.
Who should I write to at Moorcroft Debt Recovery?
They always say aim for the highest. This might mean doing some leg work and expense. You can obtain a full report of the directors and shareholders at companies’ House. However here are a few of them (as of October 2020): Andrew James McRoberts (company secretary), Rodney Neil McRoberts, Neil George McRoberts, Amanda Martin McRoberts. Here is one potential email address [email protected]
Can Moorcroft debt recovery enter my premises?
NO – they cannot, unless you invite them. They are debt collectors NOT enforcement agents.
Can I refuse to discuss my debt with Moorcroft?
Absolutely yes. The original lender or service supplier has to talk to you if you wish. Your lender or provider cannot reassign the obligations under your contract. One of their obligations is to discuss your account with you. Therefore, if they say you will have to speak to Moorcroft, inform your lender they are breaking the law and you wish them to write to you repeating what they have just said to you. After that you could, and we say could (not demand) that they amend/write off your debt. Indeed many of them will have recordings – always ask them to email you a mp3 or transcript of your conversation.
What if I cannot afford to pay Moorcroft debt recovery?
Fill out an income and expense statement. Be completely honest about it. We can assure you that it is not in the interest of Moorcroft or your lender to try and get money out of a stone. Do not try and blame the salesman etc. for getting you overindebted – they will always defend their introducers. Take it on the chin and send them a statement. You might just find that they will write it off or take a token payment. They have an obligation to treat customers fairly.
Can I avoid pay my Moorcroft debt?
Of course, you can avoid it – however it will not go away. Remember that you have used someone’s money or service and they deserve being paid. If you cannot pay them, they deserve to be told the truth. Invest an hour or 2 and it will be resolved forever. Be courteous and pleasant at all times. The people you are speaking to only came in to do a day’s job. It is not personal it is simply their job. We assure you that you will feel better once it is put to bed and resolved.
Can Moorcroft Debt Group write off my debt
The answer is probably yes. If they have purchased your debt from your lender they can write it off, if they have a good reason. If Moorcroft are acting as a third party debt collector, they can recomend to your creditor that your account should be written off. The simplest (and only) way to achieve this is to complete a financial statement and a short letter explaining your over indebtedness and inability to pay. Give them a valid reason to strike off your debt.
Does Moorcroft have to be registered with the FCA
Yes they do, and yes they are. If you want to dig a bit deepeer into who they are and what they are allowed to to you can visit Financial Conduct Authority. The FCA has all the details you would need to make a thorough investigation of your own. However, you would only require this information if you beleive they have done something wrong in the way they are treating you.
Does Moorcroft Debt Recovery have to abide by the Data Protection Laws
They certainly must. And you can check they have a valid registration at the Information Commsioners Office website. Never let data protection get in the way of resolving issues. Many debt collection agencies make it difficult to discuss your account because they want your personal information. If they say they need further information to discuss your account you can write to them and inlcude a secret password that they can use. Or simply say that all discussion will have to be by letter and them write to the most senior person you can find. Remember that the DPA is not an excuse not to resolve your account. We know we were there when it was being introduced and the red tape maniacs have went over board as the years have passed
Acceptance And Remorse
Maybe some strong words when dealing with a debt collection company. However, if you want to succeed in getting great result you need to occupy the moral high ground. They probably have the legal high goriund , so you play to your strengths.
We will assume that the debt is yours. Simply accept it, no amount of arguing or screaming will change that. This allows you to move to a stage on resolving the situtation. If you have a genuine complaint and by that we don not mean something minor, like a letter wrong in your name or the way the member of Moorcroft Debt spoke to you. If you have a serious dispute about the ownership of the debt write to them. If it is not valid, you have wasted YOUR time.
Remorse is your way of understanding that you have wasted your money on whatever and you now are expected to pay for the goods you used. Genuine remorse will go a long way to creating a great rapport.
Once you have accepted that it is your debt and that you have genuine remorse, you will obtain a seriously good result with any debt collection agency or lender.
Your Moorcroft Debt
Let us get this right – Moorcroft debt recovery are contacting you because you entered into an agreement. It could have been for anything: a phone, personal loan, car finance, utilities, home mortgage, boat loan, room rental. Just about anything where you had the use of something with the promise of future payments.
The first thing for you to do is simply accept your indebtedness. Do not try and become a legal expert trying to find a loophole. Debt collection companies like Moorcroft group and credit collection services have heard it all before.
Do not try and say they have no right to collect the debt. You can be sure that Moorcroft and the lender have had legal opinion on their ability to do so. There is an addendum to this that many people ignore and which we have personal (painful) experience of. The actual debt (income stream) can be assigned but not the obligations of the lender. Keep this in mind for later.
You can create the spreadsheet over many weeks or even a month of 2. This is going to help you. Add the things they might not usually consider. Gambling, alcohol, smoking, obesity. Be honest with yourself. It might lead to a better lifestyle.
Writing things down makes it easier to deal with. It makes it easier to discuss your financial situation with debt collectors or debt attorneys. Or self help groups. There are groups in your area that can help. However, it is a good idea to be prepared.
Never, Never, Never
2 things you must not do.
Never threaten violence. Keep the moral high ground.
Never offer a payment you cannot make, just to keep the person on the phone happy. They get paid for promises being made. However, it is better for them and you to make an offer you can keep.
Your Original lender
The reason that Moorcroft debt recovery are chasing you is because someone lent you something. The lender will have done everything, insomuch that it can, to ensure you could repay. Although there are caveats here
They were not given your real facts. Either by you or the lenders staff or introducer. There lending decision was made on the facts that they were given. They will assume that it was you, as you have signed the agreement. It is difficult, but not impossible to prove otherwise. Notwithstanding that – if you have had use of the item or service that the credit was granted the lender can use that as a defence. However, we do not want to get involved in legal terminology.
There was a large deposit made on an asset which they can quickly resell. Possibly quicker than the loan/rental term. However, this type of repossession is becoming more difficult for the credit grantor.
Notwithstanding that your debt has been sold to Moorcroft or they are collecting on behalf of your lender. The lender still has to uphold his obligations. And in turn, Moorcroft debt recovery ltd has to uphold those obligations. Generally, data protection and treating customers fairly. Once again, just because the lender has deviated a little from their obligations it might not eradicate your debt. They cam always rely on the law to enforce.
You do not want to go to court. The lender can afford better debt attorneys and collection lawyers.
Here is something that all lenders know or should know. People defaulting has rarely bankrupted a lender. Fraud is the death knell of a lender. And more often that not this comes from within or from you dealer network. Seek your savings there and not investing in better debt collection methods.
Advice To Lenders
Invest in real underwriting. Spend time there and your debt collections teams can be reduced. Put debt collectors in charge of lending. Mix up you credit and risk teams. If you have a credit control department – close it until you have a better name for it. Maybe Good Business Creation or something – anything.
By the by lenders – ensure that you debt recovery solution provider uses voice analysis. In addition, make sure 1 of your people who knows how it works. You can then add in your own keywords and phrases. Saves a lot of time reporting.
Debt collection law or debt recovery recourse through the courts is the last thing you want to become embroiled in. Do not cut your nose off to spite your face. The likes of Moorcroft Group and Credit Collection Services have teams of debt lawyers on their payroll or on contingency.
Unless you want to become a martyr, we suggest other ways of resolving the issue.
Remember the law gives you the minimum protection – and we mean this in a good way. Debt collectors can give you a better deal than the law allows. ALWAYS. We know, we have done it many times.
Debt Collection Solutions
In this section, we have suggestions for all concerned. Each of the suggestions are beneficial to all parties. None of these debt collection solutions favour one party.
Debt With Collection Agency
Just because your debt has been transferred or sold or being collected by a debt collection agency: it is still you that is in control. You have something they want. They want your money or they want you off their books.
Many people like yourself has googled debt with collection agency to get some help. Mostly you will get debt consolidators hoping to make some money from you. Or debt lawyers wanting to give you advice.
However if you have searched for impartial advice using debt with collection agency you will find it here. Some you might like and some you might not want. It will not go away unless you deal with it. What is for sure the more pf their time you take up the more they want to get you off their books.
You might want to remember if one debt collection agency returns your debt to the lender, it may well end up with another firm of collectors. Keep all records; either paper, calls or electronic. If possible record personal visits.
We have to assume a few things here. You can no longer afford the car/boat/house/phone or whatever. It might sound harsh – but you can survive without this item. We know this is a hard decision. However, maybe you can obtain a similar asset or item form a different supplier. Just think about that and do a bit of research.
Here is what you want. You want debt for the current item to “go away”.
The lender or debt recovery agency want to resolve this as cheaply and quickly as possible. No matter what they say, they really do not want to go to court to have their asset returned.
Inform them that you will return their asset (car, phone, boat or whatever) on the following conditions:
There will be no payment of the arrears
There will be no payment requited on the shortfall of the sale of the asset
All details of the loan will be removed from credit bureau register. This can be done, and it is quite easy. If the lender says they cannot do it – tell them to speak to their data controller.
It is a simple letter; here is our suggestion
Dear (lender) Your Details I write regarding the above. I will allow you or your agents to take possession of (describe the asset) on the following grounds. That is it. We used this many times for people who we considered to have been hoodwinked or experienced unexpected changes to their life.
Lets us tell you how much your post repossession or sold debt can be worth. We were once involved in the sale of “post repossession of distressed debt” in the UK. Fancy talk for bad debt. The average balance was £2,600 and the total balances involved were in excess of £100,000,000. It took us 8 months to put the pack together and another 6 months to “sell” to the debt purchase company. Who were similar to all debt collection companies.
The debt was sold for £1,300,000. Which is 1.3%. Add some expenses and we are at 2%. This gives you an idea of what your personal debt is worth to the debt collector. Admittedly some debt is worth more and some a lot less.
Why would a lender sell the debt to Moorcroft Debt Recovery? Their option is to completely write off. Many lenders want to lend – they do not want huge collection departments. Debt collection is specialised. Not everyone is suited to be a professional debt collector.
The directors of the company we worked for were over the moon to get rid of 40,000 customers and pocket £1.3 million.
Negotiating With Debt Collection Company
It costs a debt recovery agency truly little to keep calling you and sending you emails. They are all automated until you do something. What does cost them, is interaction with you.
The art of negotiation is fairly simple. Start low and move slowly. Move the same amount each time, no matter what they say. It will cost them time and money to consider your offer. In addition, if you ever go to court, you can state that the lender or Moorcroft debt collection or whatever debt collection agency is obtuse.
Make them an offer in writing. “I offer you xxx in full and final payment of (describe loan/account) on or before xxx date.
Be reasonable with date. Not too short and not too long.
If you are a bit on the cheeky side, ask them to remove records. However, that is up to them. They can if they want,
Moorcroft Debt Recovery
Their motto is managing debt responsibly. Now, we have to question this.
From a purely business point of view. A lender uses risk based pricing. Therefore, it expects bad debts. If it is not using risk based pricing, it should be. If a debt goes bad it should be written off. Assume that the debtors have overextended unintentionally, or circumstances have changed.
It is in the price. Accept it and stop penny pinching. And that goes for all the other debt recovery agents in the UK. Recovery agencies in Australia and debt attorneys in the USA.
Why do some debt collection companies and debt lawyers refuse to use voice analysis? It is cheaper than a team of people listening through sample conversations. It is to your advantage that calls are recorded. Many of the voice analysis recording software solutions allow audio or printed copies to be sent to you.
If Moorcroft debt are recording your conversation insist on a copy being sent to you. And that goes for any other debt collection company.
Here is what we think. They want to avoid compliance issues. Proper voice recording and analysis is difficult to manipulate.
Related Searches To Moorcroft Debt Recovery
The most often asked questions about MDRL are:
Is Moorcroft debt recovery is it real?
Will Moorcroft debt recovery take me to court?
Can Moorcroft but my debt?
The simple answer to all of these is yes. Stop avoiding and start communication. Here is the thing. Contact them to see who they recommended that can give you free and impartial advice – they are obligated to tell you.
Alternative To Moorcroft Debt Recovery
If you see any of the following: seek advice. Many of these companies are out to make a profit. Seek out a debt charity of citizens advice in your local area.
Debt management plan
Debt arrangement scheme
Individual voluntary arrangement
Companies offering these will have a fee. That is not to say they are not an option. Consider carefully.
Is Moorcroft Debt Recovery Real
Indeed it is. If others tell you to ignore them out of hand, think on your own behalf. Alternatively, there is government advice on what to do if your are overwhelmed by personal debt.
Nearly all the advice on the web about Moorcroft Debt Collection is from companies offering and IVA (individual volutary arrangement). These are arranged by a “qualified” person. An IVA will often last 5-6 years.
You might consider negotiating with creditors on your own behalf. Doing it on your own can be rewarding. If you are not up to it – or you have many debts. Ask a non profit what you can do. Or try and increase your income with earning or saving
If you actually require a debt collection agency list, there is a good chance you will not find it easily. Unless you wish to spend some serious cash. However, we have ways to help you locate the list you require. Or at the very least suggestions on how to obtain a debt collection agency list cheaply.
You will find several solutions to your quest within this page.
For a very quick and simple solution you can try a gig on Fiverr or any of the other outsourcing companies. They charge $5 + 20% commission for a small sample. However, they have found some great lists for us.
Continue reading, we do have links to cheap or FREE data bases that are regularly updated.
How To Create A Debt Collection Agency List
Making A List Easy1 hour and 30 minutes
Why do you need a list?
Do you need the list to solve a debt collection problem? Are you marketing a solution to debt collection platforms? Are you a debt collection agency seeking to find competitors or partners?
If you are looking to recover a personal debt you might only need 3-6 potential businesses. The same goes if it is business to business commerical debt. Keep you list manageable. If, However you are trying to sell to debt collectors, you might require all the details of an entire country – which we show you on this page – for free or cheap.
Google might not be the answer
The first thought is to use Google. However, that is going to achieve nearly 200 million results. Which is neither good to man nor dog.
Debt collection associations
There are many. And we have found them useless. They are for the use of members. Avoid.
If you are unable to source a list. Drop us an email and we might be able to find one for you – time permitting – as it is free
List Of Collection Agencies
Almost without exception most google results will either show a business touting their wares or an extremely limited list of collection agencies.
Our Google research to obtain a general list was limited. But read on and you might find your solution. We have invested time and resources so that you do not need to.
If you have asome time or need a list of debt collection agencies quickly. There are 2 adittional avenues open to you apart from the advice from resolute collection.
Fiverr has some good people offering freelance services. You want to try 2 or 3 with a small task first. If they come up with the goods then offer them a bigger task. Remeber to state exactly what you need.
Buzzsteam is something we use. It is great for list building and reaching out. Not so good if you just want a good debt collector. So you would use this for selling to debt collection agencies or for reasearch.
list Of Debt Collection Agencies In Australia
If you happen to be looking for a list Of Debt Collection Agencies In Australia we have pages dedicated to Australia. Wether you are looking for a debt collector or an Australian personal injury lawyer.
List Of Debt Collector Phone Numbers
This is not something you can easily do unless you have a great deal of time on your hands. Once again, depending on your needs, you could use Fiverr or Buzzstream. We have used both to create outgoing call campaigns.
We would use a freelancer to obtain the list of debt collector phone numbers. Then import it into our CRM via a CSV. With Buzzstream you could then outsource any call campaign and easily monitor results.
Debt Collecting Associations
You might think that asking a national association for their members would be easy. Not so. They treat their lists as money earners, and you can expect to pay handsomely to have access to the list.
Our favourite way to find proper companies is to carefully use google operators. This allows you access to the full and microscopic date mining available through the biggest library of data ever held.
You will be able to create a comprehensive report or maybe just debt collections agencies near you or any other location. Or you might be looking for lenders who you can pitch your debt collection business to.
This list only contains debt collection companies that are incorporated. It may also include companies who do not actively collect debt. The information on the lists are incredibly detailed. However, some of the data might be historical.
UK Debt Collection Companies
SIC or Standard Industrial Classification codes could be your way to creating a debt collection list. Company Database offer some free advice on many UK debt collectors. Their list has slightly over 200 entries.
Alternatively there is a FREE data base from Companies House and as long as you know the SIC code you can interrogate their data base and make you won debt collection agency list of you own. Companies can have up to 4 SIC classifications.
The following list are some of the SIC that might be of use to you:
64992: debt purchase
82911: debt collector
64992: discount company (debt factoring)
88990: debt counselling services
66190: credit or finance broking
64921: finance house activities
Similar to the USA you will not reveal any unincorporated debt agencies in these lists.
Business Debt Collection Agency
There is no classification for companies that purport to be a business debt collection agency. You can safely assume that most debt collectors will take on clients for business debt.
Copy and paste either of these into the Google search engine. Instead of having millions of responses it is reduced down to a few thousand.
allinurl: business debt collection agency allintitle: business debt collection agency
These searches via google operators narrow down you search. However, scraping this information is not entirely legal. We have no information on how to extract a meaningful list of debt collecting agencies from a Google search.
Collection Agency Fees
You will need to employ an army of researchers to obtain a list of debt collection agency fees. Even a data scientist would be at a push to create a list. The other option is to outsource and call the companies up to create you own personal list of collection agency fees. We would love to know why you would want this.
If you visited our site to employ a debt collector. Use the advice above – narrow it down to 6 debt collection companies and call them yourself. Each debt is unique, and you can negotiate collection fees and commissions.
Debt Collection Agency List
If you research thoroughly you will fin that you can create a personal debt collector agency list cheaply. There is a ton of data put there available. however, you need to know what you are looking for.
Here Are Some Common Questions
Are agency lists freely available?
NO – generally speaking you will have to pay
Are all agencies registered somewhere
NO – you would think that they would be but they are sometimes difficult to find. Sole traders, partnerships etc.
Is there a standard fee structure?
No – It will depend on the credit worthiness of the debtor, what is the value of the debt, how old is the debt.
Is there a review system we can depend on?
No – both creditors and debtors are not really keen to divulge that they are involved in debt recovery. You will have to depend on your research and sometimes your gut instinct.
Comments and Ideas
If you have any stories or suggestions about debt collection agency lists or a business debt collection agency (those are scarce) we would love to share. How can we acquire them etc. – it would be appreciated by all. We will try and answer as many questions as we can.
Probably your first port of call on Australian debt recoveries is a search on google. This particular search will net you 1,300,000+ results. Not much use if you are looking for something more specific.
Reading our article for 10 minutes will save you hours of struggling through volumes of google search pages. You will find our tips truly awesome, for researching any location for a multitude of services. From debt collectors to bakers or great bars.
Consider this our personal guide to help you with Australian debt recoveries.
How to find an Australian Debt Collector in 5 Mins
Speedy and Easy5 minutes
Open Google Maps
google.com/maps. Open google maps. It will probably show the location you are in. Go to step 2
Enter a location
In the top lest hand search box enter a location. It could be Australia or Brisbane or Sydney. You can enter anything from a country down to an individual street. No limits.
Enter Service Required
You might require a business to business collection agent or a personal debt collection agent. You can try a few variations.
Click On Marker
You will see red markers. Click on one to see the full details of the business you might want to use.
Make The Call
You need to call them. not email or SMS. You need to know that they can think on their feet. Have some basic questions ready. Experience, cost, tine scale, success rate etc
What you probably need is a method in which to find debt collectors in Australia. As with the above, if you simply search google you will be inundated with 3.5 million search results! Plus, a couple of dozen adverts. You can narrow the search by using google operators:
Our 2 favorites are:
allinurl: debt collectors australia – this will return a more helpful 305 results
allintitle: debt collectors australia – returning a more manageable 510 results
This is the method that international and interstate companies will use to find trading partners. They will then assign your debtor to a third party.
Occasionally Google will flash up a warning saying that they recognize unusual activity on your computer. They do not like you using their search engine tools – which they built to make things easier. Its as though they want to keep it a secret. Just click in the box and continue.
How to find nationwide debt collectors in Australia. or visi this page if you are intersted in an international debt collection agency. It has information to hep you locate a suitable agnet for you, no matter where in the world.
You can get more detailed information by visiting our pages covering:
On our pages you will find our simple guide to finding a debt collector in Australia – easily.
Googles Not So Secret Search Engine
To make your search even easier you have to give Google maps a try. It is easy to add “near me” or “Australia” at the end of a search. However, this can be miss and hit. The video below shows how to complete an effective search in awesome detail. But the basics are:
Open google maps
Search for Australian debt collection agencies or Australia debt collectors
The instruction for cities is different. Simply visit the links above. If your location city our town is not on our list, simply substitute your city in the search box.
Australian Debt Agency List
The biggest players in Australian debt collection are:
These 2 Australian debt collectors focus on different aspects of debt collecting. Ausdebt focus on software solutions for business. Whereas debtrecoveries focus on; you guessed it. Debt recoveries from consumers and businesses.
On the face of it you would appear not to have many options to recover your debts. If you are collecting single international debts, small business debts or personal debts then option 2 is not for you.
On the other hand, if you choose option #1, the absolute minimum commission you are going to part with is 11%. There is no doubt that for skip tracing they would be your first choice. They have data on debtors that probably no other Australian debt agency owns. If you know otherwise, leave a comment.
They offer some free templates that are useful, when trading in Australia.
letter of demand
credit application and terms
Prushka Fast Debt Recovery
When discussing debt recovery in Australia, you must mention Prushka fast debt recovery. I am neither promiting this comapny of detailing how to handle them. It is just some information.
Prushka state they have 60,000 clients. The question here for trust is what does this mean? Is it active clients? Or does it include budines colelcting on one debt? At nearly $40 per letter you could send a reminder letter or final demand letter yourself. Then you are going to part with at least 11% on debt collected plus any “other” fees. Read the small print.
They advertise a credit control department. That is another question. Are they deciding to who you might ectend credit or is it what it should be called a debt collection department. Our advice when we did telpehine ollection was not that we were credit control. We were debt collectors – simple. We did what it said on the tin.
What you need with a debt collection firm is someone who sayd we will have a look and let you know if it is worth persuing. Or you might want to take debt action via the internet.
General Debt Advice
Make sure your customer or debtor is able to pay you. Never throw good money after bad. If it is something different you want to achieve; Resolute Collections has various services, we can offer at a fixed debt collection fee.
Some Commonly Asked Questions
Will I Be Successful?
Depends. 2 cornerstone pillars – make sure debtor has money and be quick. Early bird catches the worm (snake).
What If The Debtor Has No Money?
Debtors rarely have money when you ask them! Get a professional debt collector or use one of our solutions.
Will I Get All My Money Back
Negotiation or litigation. The former can be quick whilst the latter can get all your money back eventually. Lawyers and debt collectors are great negotiators.
Commercial Collection Agency
If you are looking for a debt collector or commerical collection agency, we have a page on that subject. Many agencies specialise and understand the law when dealing with companies. You will discover many debt recovery providers in niches, to make recovering your debt as stress free and as succcesful as possible.
Your Comments and Stories
We love to share your successes or otherwise regarding Australian debt recoveries and debt collectors. 5 minutes of your time could save a business or someone’s life savings. Or email us and we try and find a solution for you.
For the purpose of clarification, when we speak of small business debt collection, this article is for the creditor. It is to highlight the options for a small business to collect their debt cheaply and quickly.
A large debt or several small debts defaulting, can bring a small business to its knees. This is especially true if the debtor goes into bankruptcy, flees, or simply will not pay you.
Does the company have money NOW. Pay me today or tomorrow. If they do not pay you – start step 3. No waiting. Start the clock ticking
Start court proceedings within a maximum of 60 days overdue.
Think out of the box. Maybe there is something in our box.
The great aspect of modern technology is that small businesses can leverage the power of the largest debt collection agencies. But this can only work if the debtor has something to pay with. Many customers suddenly become professional nonpayers by hiding their assets. And with international banking and travel so simple – they can simply transfer cash to anywhere.
So, what are the debt collection options for a small business.
The first step is to send a reminder letter and a final demand. These letters HAVE TO BE followed up with a professional phone call. Your reminder, final demand and call must be within 30 days of payment being due. Either you or a professional must create a small business debt collection letter.
A telephone call should always be preceded by a reminder letter or email. It gives your call “legitimacy”. With over 40 years’ experience we understand that you need to refer to something.
You can do this yourself or have a debt collection agent do it for you. A small business debt collection agent is the better option. However, make sure you understand the fees and commission.
No emotion. Neither you nor the agent should be angry, sad, or aggressive.
Debt collection agencies have heard every story in the book. DCA’s deal with this day in and day out. An excuse being only an excuse. It is not a reason for nonpayment. There are no reasons, apart from fraud.
A collector should remain focused on the debt – nothing else. Not charges nor extra fees. Do not become distracted. Be focused on collecting the debt, first and foremost.
Small Business Debt Collection Outsourced
The step above is reasonably cheap and works quickly. You certainly know if the debtor will pay or not. However, they have not paid you. You really need a professional at this point. There is really only 1 important decision. A debt collection agent near you or near the debtor.
If you search google for business debt collection agent, you will be given millions of results. Literally, millions of pages including some adverts. Here we give you the solution to finding a suitable debt collector. We have used Sydney. You can use your location or the debtor’s location.
This will work for you locally, interstate or internationally. Its is Google, so its free and it is the tool that debt collection agencies use to outsource their assignments.
Simply open google maps. In the top left search box insert the location you require. Once the location has been found you can search the for the service you want, business debt collection, debt attorney or lawyer etc
Your Questions Answered
Why Should I Move Quickly
Generally the sooner the better.
Should I Stop Process With A Promise Of Payment?
Never. The process stops when you are fully paid.
What if Business Is Bust
Write it off and never worry about it. Or chase the business owners, if you believe that is the right thing to do.
Can I Sell My Small Business Debt
Yes. However 2 things to consider. You will not reive the face value of the debt – maybe as little as 10% or less. You can assign the income, but not the responsibilites of any contract – even though they have not paid you. Choose a reputable firm to sell to.
Business Debt Collector Fees
A business debt collector is going to charge you a fee and you have to decide if it is worth it or not. There are many things to consider that only you know. Is it personal or just business? A fee for debt collection to vary from 15% of the debt to far more. You might even lose more money.
Business Debt Collection – The Initial Decision
Genrally speaking if you are trying to collect from a business, the debtor company will know what they are doing. You are not the first to try and collect from them. Have a good, cold look at why you allowed them credit in the first place. Did they accept the terms too quickly? Have you had previous experience? Did they gradually increase their indebtness over time? Was the salesman being paid handsome commisions on the sale and not the payment? Did they have to pay a reasonable deposit? Was the decision made on GUT instinct?
If YOU have failed on making a properly informed decision, the chances of recovering the debt are slim. Before you even commence a debt collection process have someone look at your credit vetting. If you got that wrong, you might learn something. The cost of that decision could be to write off the debt and getting back your your core business.
If it is a large debt, find a professional debt collector. If the debt was small, chalk it up to experience. However do not allow that experience to hinder your business by not allowing credit sales.
Final Decision On Business Debt
Is it all worth it? You might have to invest some cash. Is your time better invested in finding new business? Is your expectations of collecting your debt too ambitious? How long will it take the debtor business to pay you?
However, you do not want to be seen as an easy touch. The word does get out. Although you have to watch your P’s and Q’s because of data protection etc., the debtor can say anything they please. There are solutions to that scenario.
You would think that searching Google for: debt collection agency near me would do exactly that. Well, it is not so easy. You will not find debt collection agencies near me using that search method. You will find a few debt agencies near you. But mostly you will find, debt collection agencies with clever marketing guys – which can be a good thing.
We will show you how to narrow your search from 300,000,000 results scattered all over the world to an easily manageable 20, near you.
Another issue for you to think about; do you want a debt collection company near you or near your debtor? Debt collectors like to be near your debtor. It is far easier to go and knock on the debtor’s door if they are close at hand.
We have some real facts, which you can check on Google. Our page will show you how to better use Google; so that you can find a debt collection agency near me (you). Although google is getting better at giving you exactly what you want. The web design guys at debt collection agencies are terrific at reeling you in. Persuading you that they are near you. When in fact they are not.
How To Find A Debt Collection Agency Near Me – in 5 Minute
15 minutes to find best debt agency5 minutes
Open Google Maps
Find and open Google maps on your laptop.
Loction You Require
Enter the location of your debtor
Service You Require
What sort of service do you need debt collection agency, financial investigation or repossession
Choose A Service Provider
Click on a firm and make your decision. Give them a call – not an email. Agree terms and time scale
Google Search Facts
If you search for debt collection agency near me, you will receive 298,000,000 results. You might also see a local map with a debt collection company near you.
You can narrow the results down to 11,200 by using “parentheses” as such “debt collection agency near me”. However, you will still see adverts from out of town debt collectors.
If you use Google’s other operators such as allinurl: debt collection agency near me or allintitle: debt collection agency near me. Your results will be less than helpful. They give out of date web pages and debt companies that are not anywhere near you.
(PS, I was searching from the South of England, your results may vary)
Best Way To Find Debt Collection Agency Near Me
This is unquestionably the best way to locate a debt collection agency for individuals or debt collection agency for small business near me. It seems like an insider secret, but it is in plain view. Follow 3 simple steps
Open google maps. Easiest way to find it is in Google!
In top let hand search box type in your location if not already showing
Then type in debt collector or debt collection agency.
This type of search has numerous colossal advantages:
It is extremely specific to companies who have a business in your area. Unlike a standard google search which gives all in sundry. In our local Google map area, it has reduced 300,000,000 results down to 20!
You can quickly see where the business is. This might allow you to pop round and see them.
Your search will include Google reviews.
You will see their opening time and contact details without an additional click. Meaning less of your valuable time search for a suitable debt collection agencies near you.
If you click on the very bottom left of the google maps page it allows you to update search details if you move the map. Once again saving your valuable time.
Expand Your Search For Debt Collection Agency
We mentioned earlier that you might want to consider a debt collection agency near your debtor. This is particularly helpful if the debtor has moved.
Your local debt collection agency will use searches like this to subcontract debt collection work. Many companies do not have the manpower to be sending people all over the country. Nor do they have debt collectors internationally or in other states.
If the location is remote, simple increase the size of the area using the +/- icon on the bottom right
This will save you an enormous amount of time that could be better spent.
Debt Collection Agency For Small Business Near Me
You might not want to bother using this a search term. Trying debt collection agency for small business near me returns over 300,000,000 results. The same goes for the search term debt collection services for individuals. It would be far easier for you to try either of the 2 solutions above.
Generally, both these terms are used and paid for by marketers in advertising
Debt Collection Agent List
We do not really get this idea. But we are always open to new ways of finding you the best debt collector for your needs. But who really needs a debt collection service company list? We can only assume it is for companies who want to sell software and services to the debt industry.
The Obvious Extra
You can use the information on how you search for a debt collection service to nay local service you require. Restaurants, bars, plumbers, car service. Just about anything you wish for.
FAQ About Debt Collection
Do They Need A Licence?
If the debt is regulated, they will. Many of the debt collectors for business debt will have a licence. It gives no recomendation. It is an easily gotten bit of paper.
How long is a piece of string. Even published charges are open to negotiation. Ensure yo have it written in a contract.
Business Debt Collection Agency Near Me
Before you get to the stage of needing a business debt collection agency, there is a differemt approach. Instead of after you experience trouble use them before!
Many credit control departments or employyes in a small company have no clue about credit and risk – they are administrators. To understand how to do the credit control function properly, they have to undersrand the business. The sting in the tail is that the business owner might not want to divulge margins to their employees.
As a business owner you need to consider outsourcing this function to a firm that can be trusted. I can hear you saying the cost, the cost of credit reports! It is a not an easy calculation. At its basic it involves lost sales. Not sales that have gone bad. And as an experienced risk and credit guy, I know that it is easier to prevemt than collect. However, the cost of outsourcing your credit function can substanially increase profitablity. Outsourcing is a variable cost with no employer liability. You can meet with them weekly or monthly and have frank discussions with them
Your credit policy should not be regarded as your cancellation policy by your salesman. Notwithstanding that it is easy to get sales on credit than cash. However, credit sales can increase your profitability exponentially.
As a parting thought, you can easily introduce accounting systmes that do the work of the credit control department.
back to the intial question about a business debt collection agency. When you find one that is suitable to do prelimanry creit reporting you have the ideal candidate for debt collection. Perfect circle.
Comments and Ideas
If you have suggestions of how you could easier find a debt collection company near me (you), we would love to share it. Especially for debt you collected in remote areas. We all love a good story. You could be saving a small business from a debt crisis.
The first question is not how can I recover personal debt? You should be asking your self is personal debt recovery worth the time?
How did you become a creditor and who is your debtor? Is there value in trying to recover your debt? By that we men could you earn more money by doing what you do? Is it worth the candle?
Some Basic Information
It is better to prevent a bill being unpaid to chasing it. Remind the debtor a week or so befire it is due. Text, email or a call. Doing this is absolutely acceptable as long as you use the correct wording
Send a reminder or demand letter. Send by email and snail mail. What is far more impressive is to hand deliver it. However never allow a sales man to deliver.
Move quickly. If you are sure that the debtor can pay but will not pay. Either start court proceedings or engage a debt collector.
Never stop action until fully paid. Never enter into a conversation if you have engaged a debt recovery company.
How to recover personal debt depends on what stage you are at. What you should never do is apologize or threaten. It is your money and you want it repaid. We have to assume that a repayment date was agree at the beginning.
Professional debt collectors will not or should never threaten violence towards a debtor. It does not work out in the long term. Do not do it or engage a personal debt collector who says he will.
You now have 2 options. Either you do it yourself or have somebody do it for you.
How To Recover Personal Debt | step 1
The best way to recover personal debt is to start the process before it is “not paid”. This step you can do yourself. Send a text or an email to your debtor one week or so before it is due to be paid. Something quite friendly and innocuous:
Dear Sam, just a reminder that the $300 that I lent you 4 weeks ago is due next Monday. I prefer payment to my bank account which is XXX XXX. IF bank transfer does not suit you, I can pick it up. Please let me know what you prefer
Hi Sam, just a reminder that the $300 that I lent you 4 weeks ago is due next Monday. As agreed, I will pick up the cash. We can meet at your place at 6pm. Cheers
Anything similar will do fine. You must include date and amount plus payment options. The only option is the way it will be paid. The date and amount are not up for negotiation.
How To Recover Personal Debt | step 2
They do not pay you as agreed. Your next step to recover personal debt is tricky. After 5 minutes of reading this article about personal debt recovery. You will know what the best path for your personal debt recovery strategy is.
Personal Debt Recovery Solicitors
Finding a suitable personal debt recovery solicitor can be a minefield. If you cannot get a suitable recommendation for a local personal debt solicitor, you will have to search Google. You are going to be bombarded by 2,950,000 page results! By simply searching for a debt solicitor using allinurl it reduces your choices to a very manageable 10. This is what you copy and paste into Google:
Allinurl: personal debt solicitor
Searching for personal debt recovery solicitor using allintitle gives you 63 firms to choose from. This is far easier than even trying to research through millions of pages. What you tend to do is pick a solicitor from the top 1 or 2 pages using a wide search. They might be great debt recovery solicitors, but what we know for a fact is that they are great at building noticeable websites.
Personal Debt Collection Agency
Provide professional services in dealing with personal debt. If you have lent money to family or friends, they will handle it firmly without emotion.
Now if you thought searching for a solicitor was difficult. Searching for a personal debt collection agency on Google is going to return a whopping 260,000,000 results. You need to narrow this down to find a suitable personal debt recovery agent.
[allintitle: personal debt collections agency] search gives you 9 results and allinurl: personal debt collections agency returns a mere 7 results. This might not be enough so here are some additional options
simply copy and paste these search terms in Google without [the brackets]
Lending To Family And Friends
Trying to recover personal debt from family and friends is always going to be stressful. It reminds you of the old saying. The best way to lose a friend is to lend them money.
You need an answer to how do I recover personal debt without upsetting all concerned. Sadly, the answer is not on the optimistic side. Friendships and family ties are going to be stretched to the limit. There is a likely hood that there is not contract. And there is no Judge Rinder or Judge Judy that you can go to.
What appears to be the easiest solution is to write it off and chalk it up to experience. You might lose a friend but its better than being stressed out for years.
Putting the debt into the hands of a professional debt collector takes the emotion out of the situation – for you. The debtor is not going to be best pleased.
What could be positive for everyone. Can you friend or family member use their skills and time to help you? It is then easy to clear the debt without the use of physical cash.
Pay me when you can, is a popular option. However, this usually means that the debt will never be repaid.
You might need to consider writing the debt off. Writing off debt can be cheaper than burning cash
You can make it public through a solution like Resolute Collections. This is certainly not going to create a harmonious bond between you and your friend or family member.
Conned or Scammed
They are not called con artists for nothing. They are skilled confidence tricksters and have gained their experience from many investors. There is no shame in owning up to a con scheme. This is an easier decision on how can I recover personal debt.
You want your money back or a pound of flesh. Using a debt collection attorney is going to be a dubious value. Scammers and con men hide their cash and assets. Or should we day your cash and assets. Often, they will take it offshore and you would require and expensive international debt collector.
Frequently Asked Questions
Will I get My Money Back?
Personal debts which are unpaid, are the hardest to recover. It needs your commitment.
Should I Employ A Debt Collection Agent?
Yes. They will be better than you – no matter what you believe your skills to be. They take the emotion out of negotiations. They have heard it all before.
How Much Will A Collection Agent Charge?
This will depend on many variables. Call one and ask.
As you can see there are various routes or strategies for personal debt recovery. If it has gotten to a stage where you are not talking, and you do not want to write off. You can review our demand letter suggestions. Should your debtor does not pay you can launch a Resolute Collections Campaign.
Personal debt recovery has zero to do with personal injury claims. Personal debt is when you have lent money or goods to someone with the reasonable expectation of payment. If you have had an accident or sustanied an injury and want reparation, what you need is a personal injury lawyer or attorney.
Find a lawyer or attorney who have made successful claims before. If they say 100% success – be wary.
Personal Debt Recovery Solicitors
If you are unable or unwilling to collect the debt by yourself you need personal debt recovery solicitors. Once they have started the action there will be repercussions. Be sure you can handle this. If you want to take it a stage further there are alternative debt collection solutions.
A solitors 1st letter is only the start of the process. Ask about all the lawyers fees and get them in writing. Remeber they survive on generating fees – not just collecting your money!
We all have a story about personal debt recovery, and we would love to share any suggestions and ideas on how I can recover personal debt. There are many people who would be grateful for anything that worked for you. Or anything you feel did not work in getting your personal debt recovered.
You might be able to recommend a personal debt recovery solicitor or agent. Or you might have done something unusual to get your money back!
If you have used a google search to find a debt collection attorney and found our website, it is quite remarkable. These identical words appear in 1,280 URL’s, in the title of 3,490 website and in the content of 132,000,000 webpages.
At the bottom of the page you will find FAQ and HowTo section
The fact you found us means that we definitely stand out from the crowd. The question is why do we stand out from the crowd?
Many of the marketing people from legal firms and debt collection agencies insert debt collection attorney search terms into their website. So that you will find them, just like you found us (more about us later). Most or many of them do not specialise in debt collection but realise there is money to be made. They have clever marketing people.
On google and this website you will find attorneys who are out there looking for your custom. They will tempt you with no win no fee offers.
Resolute collections will give you information to decide if you need an attorney or not. You might even be able to collect debts owed to you, using your own knowledge and determination. At the very least you have something invested in this debt.
This seems like an obvious question. “I need a debt collection attorney because I need a debt collected”. The assumption is that you are unable to collect the debt by yourself. The first thing an attorney is going to do is ask for his fee upfront.
You will be asked full details of the debt and all communication you have had with the debtor.
Now you are out of pocket a few hundred dollars and your valuable time yet nothing has happened.
The attorney will send out a demand letter, which you could and may have sent by yourself. However, an attorney’s letter will look more “legal”. But make no doubt this, it is a template and has been used 100’s of times before.
Specialized Debt Collection Attorney
Is the attorney specialised in this field or did they have a nice advert and website? If you are searching the web there are a few guidelines that might help you.
If you search using this phrase allintitle:Debt Collection Attorney (no full stop). It will reduce the number of options from 130,000,000 (yes one hundred and thirty million) to a manageable 4,000. Or make a standard google search with “near me” or “your city” added to the end of whatever term you have used. You can also use allinurl:debt collection attorney as a search term. Simply copy and paste either of these search terms highlighted in yellow into Google or Bing.
Is A Collection Attorney Essential
You can find almost any type of users’ guides on the internet. What cannot be found is the experience a debt collection attorney will provide you in court. If you are going to end up in court – get an attorney. Do you want a different approach? Then Resolute Collections could be your answer.
When you go to court, you are going to have to depend on the letter of the law and fact. There will be no escaping this and an attorney is the best way forward. Sometimes it is the best paid attorneys who get a successful verdict – sometimes.
Cost Of A Collection Attorney
Even the best priced collection attorney is going to set you back $125 per hour. For an experienced debt collection attorney, expect to pay $350 per hour or more. You will then have to estimate how long a defended case will take in working hours. We suggest you plan for a worst-case scenario.
If a case is undefended it might be because the debtor has no assets or dies not care. Needless to say, that neither of these is good for you.
Some debt collection agencies will offer a no win no fee. You might pay up to 40% or more in commission. Proper legal eagles will not offer this sort of deal. A proper attorney will value their time and experience. Consider your options.
If you are at all confident that your debtor has assets and will pay, opt for a set fee. On the other hand, if you are not confident find an no win no fee debt collection attorney. Resolute Collections are obviously a solution for a fixed fee.
Debt Settlement Negotiation
If you intend to settle your debt claim through negotiation, then we highly recommend that you engage a debt collection attorney. You are probably the worst person to negotiate a settlement if it is not a skill you use regularly. They have talents and skills which we mere mortals do not have.
Using an attorney will take all the emotion out of any negotiation. Remember to set your fee for their time. You might want to consider a set fee with performance commission.
How To Find A Great Debt Collection Attorney
Total Time:30 minutes
Here or There
Do you need a lawyer near you or near your debtor. We suggest your debtor.
Google – Not Regular Search
Location Of Debtor
Service You Require
Red Flags Are Good
Narrow Your Choice
Pick 3 that you like. Call them. NOT email or text. Call them and have a quick conversation
Make your choice and engage them. GOOD LUCK
Some Questions Answered
What Are The Fees
Generally not purchased. This is really up to you to find out. In our HowTo we suggest you call 3 and decide which is the best option
Should I Go For No Win No Fee
As with the above it is a decision on what will make the best deal for you. If there is a very good chance of winning – fixed fee. If you are unsure – No Win No Fee. Ensuring the commission is not too high.
How Do I Check On Attorney
This will depend on the value of the debt. If it is ultra important – some basic google searches including the words scam and reviews in the search. Bearing in mind that some reviews use review management software. This means that bad reviews are never published.
Can I Do It Myself
Yes. However, do you have the time?
Debt Collection Attorney Comments
We love to share your stories and tips. Keep your suggestions and reviews legal. If you have any experiences about a debt collection attorney, we would love to share them.
Finding a cost-effective international debt collection agency or global debt collector is no easy task for you. Decent agencies are few and far between and can cost you a fortune. However, before you go searching for an agent who offers debt collection internationally, there are 2 basic steps to consider first.
Is your debt collectable?
Is your debtor itinerant?
If the debt would be difficult to collect in your own country, its difficulty becomes exponentially more challenging when you are in different jurisdictions. Language, communication, and law are not as you may expect. Collecting a debt internationally is frustrating to say the least.
Global debt collectors might advertise their speciality, but the good ones are few and far between
Should your debtor move to new countries regularly (maybe every couple of years) you immediately have to start from the beginning. All the time and money you have spent does not cross international borders.
Google a Debt Collection Agency
If you google International debt collection agency you will receive 194,000 hits. Are you really going to make a great choice? What you need is to narrow down your search. Simply add [near me] or [your city] to the end of your search. This will ensure that you have an agent somewhere near you.
Alterbativel you can try allinurl: International Debt Collection Agency or allinurl: International Debt Collection Agency. This will narrow the results to 222 or 801 respectively. This gives an indication that the search results will actually show you someone who can act as an international debt collector.
There are probably very few truly worthwhile companies involved in international debt collection. You ought to find one before making any deals with people and companies outside your own jurisdiction.
Easiest Way To Find The Best International Debt Recovery Firm
Takes Only 15 Minutes15 minutes
Open Google Maps
To get started; open google maps on a laptop or desktop
Enter Any Location; town, city, country or village
Search the area where your debtor is located or has their head office. This makes it easier for the agent to visit and the debtor to pay in person
Enter The Service That Best Describes What You Need
What do you need? A financial investigation – always a good starting point. Regular debt collection or specialised repossession agent. Focus your search
Make A Choice
It is best to make a call with prepared questions. 1st question being, do they know the debtor. What is their speciality, fees, success rate, times scales. Ask them the same questions in the same order. Review with an advisor and make a decision.
International Debt Collection Agency 24/7
A Resolute Collection website is going to work for you 24/7. In addition to that it is the only international debt collection agency that operates without borders. Your internet debt solution has no jurisdiction. As a global debt collector, we have no equivalent competitor.
Our fees are transparent and simple to understand. Some companies require you to have a degree to understand their fee structure.
We are proud to be Intense | Different | Determined. The sooner you start the quicker you achieve a worthwhile result.
No Win No Fee
You will find few offers of no win no fee. There are no free lunches in debt collection. Ensure that you know exactly what is paid up front and how much commission comes out of your pocket.
No fee generally applies to their FEE. There will be charges for other elements of the collection process. Each company has a different charge structure. READ CAREFULLY
Global Debt Collector
If your choice of agent is a global debt collector make sure they are indeed global. If your debtor is an absconder, he is likely to move from one jurisdiction to another. You do not want to be looking for a new agent every time the debtor moves.
Many who profess to be global debt collectors are no more than agents. Once you have engaged them, they will fob it off to another agent in the country the debtors are in. what it means to you is another level of fees and commissions.
International Debt Collection Horror
This is a story from a symposium we attended. It was a while ago, but it delivers a clear message about engaging with the correct global debt collector.
A USA company had a need for international debt collection agent. Their USA agent outsourced some of the debt to a Nigerian company. To their utter amazement the amount being collected was much greater than what other agents were collecting. When they sent auditors, they were gobsmacked by what they found.
The debt collecting agency were threatening and actually abducting family members of the debtor until they paid. Beware of who you engage with.
Comments and Ideas
If you have any comments or experiences regarding an international debt collection agency or a global debt collector; we would love to share your views.
The absolute 1st action you must undertake before you look for any debt recovery solutions, is to find out if the debtor can pay. Even the best debt collector in the world cannot get blood out of a stone.
You can draft awesome debt letters and final demands, but if the other person has no cash nor assets, you have just wasted your valuable time. Nothing is ever what it seems. Your debtor might have nothing or has concealed something away for a rainy day.
Your first action the is to get some investigation into their liquidity. There are firms who specialise in researching debtors. Search for companies who are financial investigation specialists. This is step 1 in researching debt recovery solutions. Having your file ready for the investigators will prove useful to all concerned.
After completing this 1st essential stage, you can then decide how your going to get your money back.
Debt Recovery Solutions Step 2
You believe that the debtor either has the ability to pay, zero assets or a reputation to maintain. What are the options available to get your money back or satisfaction?
Do nothing. Do absolutely nothing and write the debt of to experience. If you have truly little capital or reputation invested – walk away. This is advice you will not hear from a debt collection attorney, agency, or a lawyer. You must not throw good cash after bad unless you have an ulterior motive.
You can issue a reminder and demand letter. Referring back to your contract/agreement and demand payment. Keep in mind that you need to be wary of what you state is your next action, as you HAVE to take it. You must follow up on your promises to the debtor.
Court action against the debtor. You must only do this if the debtor has cash reserves or a reputation to uphold. You would be surprised at how a court order could damage a business’s financial records and ability to borrow. Some businesses can lose licenses to trace because of court orders. Some businesses may work in industries that absolutely frown upon treating customers unfairly. Expect an expensive defence or a quick settlement.
Outsourcing your debt collections is one of the easiest debt recovery solutions available. There are numerous businesses out there touting their debt collecting record. Complete extensive due diligence if your debt is substantial.
Using Resolute Collections. We offer nontraditional methods of debt recovery that can be anonymous if need be. Intense | different | determined
Repossession of an asset. You should ensure that it has value, can be sold quickly, and is easily repossessed. The assest must be worth more than the cost of repossession.
Never, ever threaten violence or employ anyone who would. It will come back and bite you. This is what organised crime does, not a creditor trying to get satisfaction.
Roadmap To Success
The only procedure to ensure that you are successful is to have a debt collection strategy and road map. One aspect of this roadmap that many creditors fail to follow is walk the talk. If you have stated that you will complete an action; you must do it. You absolutely must follow through on your promises.
A major element you must have, is a net figure expectation. Debt collection is often a negotiation. Have in you mind your fall back position. This win/win scenario might make it easier to collect your debt.
Have a deadline for 1 stage to the next. From plan A to plan B. It is called a deadline because it is ultimately an enormously significant part of the process. Cross this line and it will be detrimental to you. Deadlines are deadly serious.
Stages To Debt Recovery Solutions
You should never go in with all guns blazing. Always have something up your sleeve that will persuade the debtor to pay. Take 1 step at a time. If the debtor does not respond to this stage go to the next stage in your plan. You do not jump from stage 1 to stage 4 in one leap, no matter how tempted you are. Nor inform the target of your collection activity what is 2 or 3 stages away. Let them know if they fail this one then we will take it to the next stage.
How To Get Paid
It might sound a bit unusual to discuss how you will be paid. There are several options; there is one foolproof way of not being stiffed. Middlemen can take slices of your money. Debt collectors and repossession agents (as we know from personal experience) steal the cash or item they recovered. You might want to consider cryptocurrency for your debt payment. It is easy for the debtor to obtain. Your payment cannot be bounced or stolen. You do have to consider the fluctuations in cryptocurrencies. If you were collecting an international debt there will be no currency exchange rate considerations. This means you will have no difficulties moving currency from one jurisdiction to another.
What If Nothing Works
You have used all the debt recovery solutions available and the debtor will not pay you. Most people will give up. Using a Resolute Collections website will leave a lasting impression on your debtor. This might not get your money back, but at least you can have some sort of closure. Your website can be made anonymous or can have your footprint on it – so that your debtor will understand who it was.
Seriously Difficult Debt Collection
If you have had an injury at work, in someone’s home or in a car accident. You are going to need a personal injury lawyer. This is not a DIY situation you can handle without professional help. Find the best attorney you can. It night cost you up to 40% of your claim; however it is worth.
Make your decision carfeully – you cannot change lawyers midsteam!
Debt Recovery Solutions Comments
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