Debt Collection

SmartCollect is a one stop shop specialising in all aspects of the recovery process including:

  • Debtor Searches (Individuals and Businesses/Companies)
  • Field Calls (Attendance the Debtor’s Address)
  • Letters of Demand
  • Telephone Demands
  • Payment Plan Implementation and Management

Complete the online form here to reach us with your debt recovery information.

Personal Property Securities Register (PPSR) Registrations

The Personal Property Securities Register (PPSR) is a national online register that allows security interests in personal property to be registered and searched in accordance with the Australian Personal Property Securities Act 2009 (Cth).

SmartCollect, upon your instructions, will register a notice on the PPSR of your rights over a debtor’s personal property thereby securing the debt.

Registration of security interests over a debtor’s personal property protects you in the event that the customer becomes insolvent and preserves your priority position against other lenders or suppliers.


Personal property is any property that is not land, buildings or fixtures including:

  • motor vehicles, boats or aircraft
  • crops, cattle and other livestock
  • stock in trade, artworks and equipment
  • other goods, new or second-hand, whether owned by businesses or individuals
  • intangible property, such as patents, copyright, commercial (not government-issued) licences, debts and bank accounts
  • financial property such as shares, cash or cheques.

Credit Reporting Body Notifications

Bad debts may be notified to a Credit Reporting Body (CRB) whose function is to collect, hold and distribute data relating to a borrower's credit history which forms a borrower’s credit report.

There are three main CRBs operating in Australia:

  • Equifax;
  • Experian; and
  • Illion.

A credit report is a detailed record of a borrower’s arrears brought up to date, defaults on accounts and other infringements, credit applications, debt agreements, credit liability information, repayment history and other behaviours.


Financial stability plays a huge part in determining whether or not a borrower is approved for a loan or credit card as lenders typically use a borrower’s credit report to determine this.

A credit default recorded remains on a borrower’s credit report for 5 years. If the debt is paid, the record stays but the credit report will be updated to show that the payments have been made.

If a borrower applies for credit down the track, the application may be rejected on the basis that there is a default listed on the credit report.

SmartCollect, upon your instructions, will notify CRBs of your bad debt and request that it be recorded on the debtor’s credit report.