Automotive debt recovery

Recover unpaid service, parts, and finance arrears, without the consumer-law trap.

Dealerships, service centres, parts wholesalers, and after-market specialists recover overdue invoices and finance arrears with a workflow that respects motor-vehicle consumer-law specifics — and the broader ACCC scrutiny on the industry.

fee unless we recover

ACCC-aware

consumer messaging

Trade & retail

split routing

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Why traditional recovery breaks for Automotive.

ACCC has been actively scrutinising automotive consumer treatment — heavy-handed recovery is reputational poison.
Service balances ($300-$3,000) where 25-30% commission destroys economics.
Parts wholesale to trade — B2B AP cycles drag, and the customer is also a future customer.
Disputed-quality recovery (alleged faulty repair) needs careful routing — contested workmanship is not a debt-recovery problem.

How we do it differently.

ACCC-cognisant tone

Communications stay clear of automotive-industry-specific complaint triggers — guarantee language, fitness-for-purpose claims, etc. Disputed-quality cases route back to your service manager, not into collections.

Trade vs retail routing

B2B parts wholesale debts run a different cadence (longer, more formal) from retail service debts (faster, more direct). Both branded as your dealership.

Contingency-only — viable on small balances

Materially below 25-30%. $400 service balances become economic to chase again.

Customer voice

What finance teams tell us

Switching off our old agency saved us roughly 28% on every recovered dollar in the first quarter — and I stopped getting angry-customer phone calls forwarded to me.

Sarah K. CFO, mid-size plumbing wholesaler

Our debtors used to ghost a 1300 number. Now they pay through a portal in their pyjamas at 11pm. Recovery rate's up, calls volume is down, and the tone of the whole thing feels less like a fight.

Daniel R. Head of Finance, regional ISP

The hardship workflow alone justified the switch. We had two genuinely struggling customers this quarter and our previous agency would have just kept hammering. We kept the relationship.

Jenna T. Operations Manager, allied-health clinic group

Frequently asked questions

How do you handle disputed workmanship claims?

Customer raises a quality dispute — we pause collection and route the case to your service team for review. Resuming recovery only happens after the dispute is documented as resolved or unsubstantiated.

Can you recover dealer-finance arrears?

Yes for the dealer-collected portion. If finance is held by a third-party financier (Macquarie, Pepper, etc.), recovery is governed by the financier's own arrangements; we focus on the dealer-direct receivable.

Are warranty and consumer-guarantee claims handled correctly?

Out of scope for recovery. Consumer-guarantee claims (under the Australian Consumer Law) need to go through your service team, not collections — and we're built to know the difference.

See it on your own portfolio.

20-minute demo. We'll model recovery on your real data — no commitment.

Book a Demo