Professional Recovery Services Australia & New Zealand

Personal Debt Collection

Personal Debt Collection Services Across Australia

At Professional Recovery Services (PRS), we are experts in personal debt collection and recovery. With offices in Brisbane, Melbourne and Sydney, we provide efficient and effective debt recovery services to clients across Australia. Our experienced team of debt collectors will work diligently to recover the money you are owed, so you can focus on running your business.

Why Choose PRS for Personal Debt Collection?

We understand that chasing unpaid debts can be stressful and time-consuming. That is why we offer a comprehensive personal debt collection service, tailored to your specific needs. Here are some of the key benefits of working with PRS:

  • Proven track record: We have been providing debt recovery services to Australian businesses for over 20 years. In that time, we have successfully recovered millions of dollars in outstanding debts for our clients.
  • Experienced debt collectors: Our team of debt collectors are highly trained and experienced in personal debt recovery. They use proven strategies and advanced skip tracing techniques to locate debtors and recover the money you are owed.
  • Customised approach: We take the time to understand your unique situation and develop a customised debt recovery plan. Whether you have a single debt or a large portfolio of overdue accounts, we will work with you to find the most effective solution.
  • No recovery, no fee: We operate on a commission basis, which means you only pay us if we successfully recover your debt. There are no upfront fees or hidden charges – you only pay for results.

Our Personal Debt Collection Process

We follow a proven, systematic process to recover personal debts on behalf of our clients:

  1. Initial consultation: We start by meeting with you to understand your situation and gather all the necessary information about the debt and the debtor.
  2. Debtor contact: We then attempt to contact the debtor via phone, email, and post to discuss the debt and request payment. Our debt collectors are trained to handle these conversations professionally and comply with all relevant regulations.
  3. Negotiation: If the debtor is unable to pay the full amount immediately, we will attempt to negotiate a payment plan or settlement. Our goal is to recover as much of the debt as possible while avoiding costly legal action.
  4. Legal action: If the debtor refuses to cooperate or disputes the debt, we can escalate the matter to our legal partners. They can assist with issuing formal letters of demand, obtaining court judgements, and enforcing the debt through measures such as wage garnishment or asset seizure.
  5. Reporting: Throughout the process, we will keep you informed of all developments and provide regular reports on the status of your debt portfolio. You will have a dedicated account manager who you can contact anytime for an update.

Types of Personal Debts We Collect

We have experience collecting a wide range of personal debts, including:

  • Credit card debts
  • Personal loans
  • Utility bills
  • Medical bills
  • Gym membership fees
  • School fees
  • Strata/body corporate fees
  • Veterinary bills
  • Unpaid invoices for tradespeople and freelancers

No debt is too large or too small – if you are owed money, we can help you recover it. Our debt collectors have the skills and resources to handle even the most complex and sensitive cases.

Debt Collection Laws and Regulations in Australia

As a professional debt collection agency, PRS is committed to operating ethically and complying with all relevant laws and regulations. In Australia, debt collection is regulated by the following key pieces of legislation:

  • The Australian Consumer Law (ACL)
  • The Australian Securities and Investments Commission Act 2001 (ASIC Act)
  • The Privacy Act 1988
  • Various state-based laws and regulations

These laws are designed to protect consumers from unfair or misleading debt collection practices. For example, debt collectors are prohibited from harassing debtors, making false or misleading statements, or disclosing information about the debt to third parties.

At PRS, we take our compliance obligations seriously. All our debt collectors receive regular training on the relevant laws and regulations, and we have robust policies and procedures in place to ensure we always operate ethically. You can trust us to recover your debts in a professional and compliant manner.

Get Started with PRS Today

If you have personal debts that need to be recovered, don’t hesitate to contact PRS today. We offer a free, no-obligation consultation to discuss your needs and provide an honest assessment of your debt portfolio.

To get started, simply fill out our online enquiry form. One of our friendly debt collection specialists will be in touch within 24 hours to discuss your options.

Alternatively, you can call us directly on 1300 306 619 or email us at We are available Monday to Friday from 9am to 5pm AEST.

Do not let unpaid debts impact your cash flow and profitability. Partner with PRS today and let us take the stress out of personal debt collection. With our proven process, experienced team, and commitment to compliance, you can trust us to get the results you need.

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Professional Recovery Services have decades of industry experience in recovering debts on behalf of people just like you. We take the time to understand your business and provide you with practical solutions to recover your debt and to prevent debt in future. 


Some of the most common challenges faced by debtors during personal debt collection include:

  1. Lack of current contact information – Debt collectors often struggle to reach debtors due to outdated or inaccurate contact details like phone numbers and addresses. Debtors may move frequently or provide incorrect information initially.
  2. Difficulty identifying and contacting debtors – Even with some contact information available, debt collectors can have trouble definitively identifying and getting in touch with the right person. The debtor may be hard to reach or unresponsive to collection attempts.
  3. Financial hardship and inability to pay – Many debtors face genuine financial difficulties that make it challenging for them to repay debts. Economic conditions, job loss, medical issues and other factors can severely impact a debtor’s ability to make payments.
  4. Lack of engagement and cooperation – Debtors may avoid communicating with debt collectors or refuse to cooperate in setting up payment plans. Building trust and opening lines of communication can be difficult for collectors.
  5. Disputes and complaints – Debtors may dispute the validity of the debt or file complaints about collection practices. Resolving these issues takes time and resources for collection agencies.
  6. Regulatory compliance – Debt collectors must carefully navigate regulations like the FDCPA which govern their interactions with debtors. Compliance requires training and oversight to avoid legal issues while still recovering debts effectively.
  7. Emotional distress and mental health impacts – The stress and pressure of being in debt and dealing with collectors can take a major toll on debtors’ mental well-being, making it even harder for them to confront the situation and work out solutions.

In summary, a combination of logistical challenges in contacting debtors, financial limitations of those in debt, fraught collector-debtor relationships, and the mental burden of indebtedness pose significant obstacles in the personal debt collection process for many debtors. Overcoming these challenges requires collectors to locate debtors, open productive dialogues, provide manageable repayment options, and comply with relevant regulations.

Here are some best practices for debt collectors to follow when working with financially vulnerable customers:
  1. Identify vulnerable customers early on by:
    • Leveraging internal data sources to look for vulnerability triggers like missed payments or data on benefits the customer receives
    • Monitoring specific metrics for vulnerable customers like repayment plan breakage rates, engagement rates, use of forbearance measures, and complaints data1
    • Picking up on verbal cues and language indicating financial hardship, job loss, eviction, or anxiety about managing debts
    • Using collections software with AI to detect signs of vulnerability in customer communications
    • Analyzing payment patterns and profiles to identify at-risk customers
  2. Train staff thoroughly on identifying and sensitively communicating with vulnerable customers, handling disclosures appropriately, understanding their situations, and offering the right support. Provide staff support to cope with the emotional toll.
  3. Engage early, empathetically and sensitively to understand the customer’s individual circumstances before pursuing collections activity. Avoid actions that could worsen their situation.
  4. Offer appropriate forbearance and flexibility, such as reasonable repayment plans, payment breaks, or putting the account on hold temporarily if needed based on the customer’s circumstances.
  5. Partner with debt advice charities and agencies to increase awareness of available support services and ensure smooth referrals for customers needing extra assistance.
  6. Maintain clear, well-documented policies and processes for treating vulnerable customers fairly and ensure compliance with relevant regulations.
  7. Only use debt collection agencies that have strong policies themselves for dealing with vulnerable customers.
  8. Empower vulnerable customers by proactively signposting available financial support services and encouraging them to engage with their finances, e.g. by checking their credit report.
In summary, a sensitive, flexible and collaborative approach focused on identifying vulnerable customers early, understanding their needs, and providing appropriate support can enable debt collectors to recover funds more effectively while minimizing harm to those experiencing financial hardship. Staff training, clear policies, and partnerships with debt charities are key.
Here are the key consequences of ignoring debt collectors in Australia:
  1. The debt will likely increase due to additional interest, fees and penalties being added over time. Ignoring the debt does not make it go away, and the amount owed will continue to grow.
  2. The debt collector may escalate their collection efforts, such as contacting you more frequently via phone, email, SMS or in person. They are allowed to contact your relatives or associates to try to reach you.
  3. If you continue to ignore them, the debt collector may commence legal proceedings against you in court to recover the debt, their costs, and interest. They would file a Statement of Claim that you must respond to within 28 days.
  4. If you don’t pay the amount claimed or file a defence, the court may enter a default judgment against you. This is a court order stating the debt is due and payable.
  5. A court judgment against you will be recorded on your credit report as a default by credit reporting agencies. This can negatively impact your credit score and ability to obtain loans or credit in the future until the default is removed.
  6. If the debt collector obtains a court judgment, they can take further legal actions to recover the debt, such as:
    • Requesting the court to issue a writ allowing the sheriff to seize and sell your assets
    • Obtaining a garnishee order requiring your bank, employer or tenants to pay funds to your creditor directly
    • Commencing proceedings to bankrupt you or wind up your company, resulting in the seizure and sale of assets to pay creditors
In summary, ignoring debt collectors can lead to an escalating series of negative consequences. The debt will likely grow, legal actions may be taken against you, and your credit standing can be damaged. It’s generally advisable to engage with debt collectors to dispute the debt or negotiate a resolution if possible, rather than simply ignoring the situation and hoping it goes away on its own.

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We provide a cost-effective, efficient and results-driven service. Contact PRS today to recover your outstanding debts.

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