Debt Recovery Support for Melbourne Businesses
You’ve done the work - being paid for it shouldn’t be a second job. We chase overdue invoices professionally and persistently, protect the client relationships you want to keep, and fix the receivables process so the pile doesn’t rebuild.
Sound familiar?
- The “over 90 days” column keeps growing
- Chasing money feels awkward, so it keeps getting deferred
- Big customers treat your invoices as flexible financing
- Cash flow is tight even though sales are fine
All fixable. Most of it faster than you’d think.
What our debt recovery service covers
Structured follow-up
A professional, documented escalation sequence (reminders, calls and formal demand letters) run consistently on your behalf.
Payment plans that stick
Negotiated arrangements with debtors who can’t pay in full, documented and monitored so they actually complete.
Aged receivables cleanup
A full review of your debtor ledger: what’s collectable, what needs escalation, and what’s costing more to chase than to write off.
Receivables systems
Payment terms, invoicing timing, deposits and automated reminders configured in your software so future invoices get paid faster.
Escalation guidance
When a debt genuinely needs a collection agency or legal action, we prepare the file and hand it over clean - and tell you honestly when it’s not worth it.
Why let NJM&Co chase your money
- A third party asking is more effective, and less awkward, than you asking
- Firm but professional: your customer relationships survive the process
- We see your ledger anyway - nobody is better placed to act early
- Prevention built in: we fix the process, not just this month’s pile
- Australian-based callers who understand Australian trading terms
Common questions
Will chasing debts damage my client relationships?
Handled properly, no - it usually improves them. A calm, professional follow-up process signals that you run a tight ship. The relationships most at risk are the ones where resentment builds silently while invoices age.
When should I escalate to a collection agency or lawyer?
As a rule of thumb: when a debtor stops engaging entirely, disputes in bad faith, or shows signs of insolvency. We prepare the documentation so escalation, if needed, is fast - and we’ll tell you when a debt isn’t worth the cost of pursuing.
Can you stop late payments happening in the first place?
Largely, yes. Tighter terms, upfront deposits, invoicing at the right moment and automated reminders in Xero, MYOB or QuickBooks prevent most late payments before they happen. That system work is part of the service.
What does debt recovery support cost?
We charge by the hour, billed in five-minute increments, scoped to the size of the ledger - from a one-off cleanup of your aged receivables to an ongoing receivables service. We give you an estimate after a free chat, work efficiently to keep the hours down, and are upfront when a debt won’t justify the effort.
Often paired with
Bookkeeping
Accurate, up-to-date books that keep you compliant, informed and off the back foot - weekly, monthly or rescue jobs.
Business Advisory
Practical, commercial advice from someone who actually reads your numbers - cash flow, pricing, systems and growth decisions.
Software Setup
Xero, MYOB and QuickBooks files set up properly - or rescued from a setup that has been quietly wrong since day one.
Ready to turn overdue invoices into cash in the bank?
Start with a free chat with Nicolette - no obligation, no judgement.