Personal Debt Collection Services Australia

We collect personal debts using a strategic, ethical and transparent process that delivers fast, reliable results. Individuals across Australia trust eCollect to recover money owed to them quickly, professionally and without unnecessary stress.

For more than two decades, Australians have relied on eCollect to resolve unpaid personal debts with fairness and efficiency.

Get a free Debt Appraisal
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How We Help Individuals

We provide structured, compliant and results-driven personal debt recovery that removes complexity and manages every step on your behalf.

A dedicated account manager for your matter

  • Clear communication and regular updates

  • Ethical, respectful and compliant engagement

  • No upfront fees — pay only on recovery

  • Proven strategies for long-overdue debts

  • Transparent service across all Australian states

We deliver stress-free, professional personal debt recovery nationwide.

Personal Debt Collection Australia

We help individuals recover money owed under private agreements, unpaid services, rental issues, personal loans and other matters competitors may decline.

  • Private agreements

  • Unpaid invoices from sole traders

  • Services rendered but not paid

  • Rental arrears and bond-related debts

  • Personal loans and informal lending

We usually require personal debts to be over $1,000 for commercial viability and value protection.

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Ethical, Effective and Relationship-Safe Recovery

We handle all matters with fairness, professionalism and strict compliance with Australian regulations.

Our aim is to recover your money while maintaining your reputation and preserving the relationship where possible. If you are searching for a “personal debt collection agency near me,” eCollect provides nationwide support with transparent processes and proven results.

How We Work With You

Many individuals struggle to collect personal debts due to lack of time, uncertainty or reluctance to pursue payment. We manage the full process so you can focus on your life or business.

  • A dedicated account manager

  • Full handling of strategy, communication and follow-up

  • Regular updates on your matter

  • Clear guidance and next steps

  • A no-recovery, no-charge structure

There are no joining fees, no administration fees and no upfront costs.

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Smart platforms - Real results

From live progress tracking to intelligent debt analysis, our in-house platforms make collection transparent, data-driven and effortless.

Debt Terminator

Start now, pay only when recovery succeeds.

Powered by decades of industry experience and backed by E C Legal, the Debt Terminator analyses your debt details and provides a personalised recovery plan — including recommended actions, key contacts, and estimated costs.

Real-Time Recovery Dashboard

Track your recovery process with full transparency.

Our client portal gives you 24/7 access to live updates, progress metrics, and payment insights — empowering you to see exactly how your debts are being managed at every stage.

What we offer

Customer-First Approach

You’ll work with a real person, not a portal. Our team treats your debts like their own.

Real-Time Cloud Tracking

Monitor progress 24/7 from your dashboard — no chasing, no waiting.

Expert Recovery Team

Our in-house specialists are trained to act fast, negotiate smart, and collect more.

Recover Corporate Debts with Confidence

We deliver structured, scalable and compliant recovery solutions for large organisations. Upload your files, track progress in real time and only pay when we recover.

Get a free Debt Appraisal

Frequently asked questions

We work with small businesses that operate in a wide range of niches and industries across Australia. Over the past two decades we have worked closely with small businesses to recover their debts. Some of these include:

  • Accounting Professionals

  • Legal Professionals

  • Aged Care Providers

  • Entertainment Rentals

  • Education and Training Providers

  • Gym & Fitness Providers

  • Medical Professionals

  • Dental Professionals

Trusted in Australia, New Zealand & Beyond

Melbourne
03 8611 2600

Level 9, 461 Bourke Street, Melbourne VIC 3000

Brisbane
07 3123 4031

Level 38/71 Eagle Street Brisbane QLD 4000

Auckland
+64 9 951 8000

27E/16 Gore Street, Auckland Central, Auckland 1010

UK - ECollect Group

eCollect.org

Our e-Recoveries service based in UK applying high-end technology to cover the full receivables management process for you

Your Partners in Recovery

eCollect

Our core debt recovery and collection service, operating across Melbourne, Sydney, Brisbane, and Auckland.

EC Legal

Specialist legal support for debt and credit matters, based in Australia.
eclegal.com.au

E Receivables

Focused on receivable management and credit operations within Australia.
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E Recoveries

Extending recovery expertise across Australia, the UK, and New Zealand.
eCollect.org