Fitness & membership debt recovery
Failed memberships, recovered without the cancellation drama.
Gyms, studios, F45/CrossFit/yoga, and membership-driven businesses recover lapsed direct debits and minimum-term breakages without the brand damage that destroys word-of-mouth referrals.
Why traditional recovery breaks for Fitness & Membership.
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Member churn is brutal — heavy-handed recovery becomes a Google review and kills referrals.
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ACL implications around minimum-term contracts mean enforcement has to be carefully worded.
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Direct-debit failures are mostly card-on-file issues, not refusal to pay.
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Average debt is $300-$1,500 — agency rates over 30% destroy the maths.
How we do it differently.
Reactivate, don't just collect
When the failure was a card-on-file issue, we recover the dollars and reactivate the membership in the same flow.
ACL-aware contract enforcement
Minimum-term debts are recoverable but the wording matters — ours is reviewed for ACL compliance so you don't end up in front of the ACCC.
Contingency, viable for small balances
Materially below legacy agency rates. $400 arrears become economic to pursue.
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.
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.
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.
Frequently asked questions
Are minimum-term contract debts enforceable?
Can you reactivate a membership that was cancelled for non-payment?
What about hardship?
See it on your own portfolio.
20-minute demo. We'll model recovery on your real data — no commitment.
Book a Demo