Money Owed? Recover Your Money With Confidence
Helping Australian businesses and individuals recover unpaid invoices, outstanding accounts and personal debts. Request a free assessment and we'll review your situation, explain your recovery options, and recommend the most appropriate next steps.
A calmer, smarter way to approach debt recovery
We're not a debt collection agency. We're your first step toward clarity — helping you understand your options before you commit to anything.
We Review Your Situation
Tell us what's owed and the background. We take the time to understand the full picture before any advice is given.
Honest Guidance
No pressure, no jargon. Just clear, plain-English insight into where you stand and what's realistically achievable.
Next Steps
We outline the most appropriate path forward — from informal recovery through to formal options — so you can decide.
No Obligation
The assessment is completely free and carries no obligation to proceed. You stay in control at every step.
Four simple steps to clarity
We've stripped away the complexity. Here's exactly what happens from the moment you reach out.
Submit Your Free Assessment
Share the details of what's owed through our quick, confidential form.
We Assess Your Situation
Our team reviews the facts — the debt, the debtor, and the context around it.
We Explain Your Options
You receive a clear breakdown of your recovery options in plain English.
You Choose Your Next Step
Armed with clarity, you decide how — or whether — to proceed. No pressure.
Not every unpaid debt is the same
We provide a free assessment to help you understand whether your situation may be suitable for debt recovery and explain the options available before you decide what to do next.
Unpaid Business Invoices
Outstanding invoices from customers, clients or businesses that haven't paid for goods or services.
Commercial Debts
Business-to-business debts, unpaid accounts and outstanding commercial obligations.
Personal Loans
Money loaned to friends, family members or individuals that has not been repaid.
Trades & Construction
Outstanding payments for building work, subcontractors, materials or completed projects.
Professional Services
Unpaid fees for consulting, accounting, legal, marketing, design or other professional services.
Property & Rent
Rental arrears, property-related debts and other unpaid property obligations.
Every situation is different.
A free assessment allows us to review the circumstances, explain the recovery options that may be available, and help you understand the most appropriate next steps before you commit to anything. We assess, explain and guide — we don't collect or enforce on anyone's behalf.
Learn before you act
Straightforward, jargon-free guides to help you understand debt recovery in Australia.
What typically happens once a Letter of Demand is sent, how debtors respond, and the options available if payment is still not made.
What Happens After You Send a Letter of Demand?
What typically happens once a Letter of Demand is sent, how debtors respond, and the options available if payment is still not made.
Practical, respectful steps for recovering money lent to a friend or family member — without damaging the relationship.
How to Recover Money From a Friend or Family Member
Practical, respectful steps for recovering money lent to a friend or family member — without damaging the relationship.
One of the biggest frustrations in debt recovery is when the debtor appears to have disappeared. They may have moved, changed phone numbers, closed a business or simply stopped responding. Skip tracing is the lawful process of locating updated contact information so that recovery efforts can continue. This guide explains how skip tracing works in Australia, the free public information sources that may help, and what to do when a debtor seems to have vanished.
What Is Skip Tracing? How to Find a Debtor Who Has Disappeared
A plain-English guide to skip tracing in Australia — what it is, when it's used, the free public information sources that may help locate a debtor, and what happens when someone can't be found.
Take the first step toward getting paid.
- Completely free, confidential assessment
- Plain-English explanation of your options
- No obligation to proceed with anything
Real debt recovery outcomes
Real case studies from Australian businesses and individuals who recovered what they were owed — shared with identifying details changed to protect privacy.
Construction$24,500 recoveredRecovering $24,500 in unpaid invoices for a Melbourne construction subbie
After submitting an enquiry through Collect My Money, a Melbourne sub-contractor was introduced to an independent Australian debt recovery provider. With the provider's structured letter-of-demand approach, six outstanding invoices were recovered in six weeks — without going to court.
Personal$12,000 recovered$12,000 personal loan to a family member — recovered without losing the relationship
After enquiring through Collect My Money, a family lender was introduced to an independent Australian debt recovery provider. With the provider's calm, documented approach, a $12,000 personal loan from a relative was recovered over three months — and the relationship stayed intact.
Creative Services$48,000 recovered$48,000 in unpaid invoices recovered for a Brisbane design studio
After submitting an enquiry through Collect My Money, a Brisbane design studio was introduced to an independent Australian debt recovery provider. With a staged escalation strategy led by the provider, $48,000 in unpaid invoices was recovered from a long-standing client.