Got a letter or call from us? You're in the right place.
Take a breath. Everything you need to sort this out, pay, set up a plan, or apply for hardship support, lives in one secure portal. Have your reference number ready.
If life's hard right now, tell us.
Job loss, illness, family violence, natural disaster, mental health, or just a really rough patch, we treat hardship seriously and confidentially. You won't be judged, and your hardship request won't damage your credit any more than not paying would.
What hardship support can look like
- Pause on contact and recovery action while we assess
- Reduced repayments you can actually afford
- Extended payment plan over months or longer
- Partial waiver in cases of permanent hardship
- Referral to free financial counselling (National Debt Helpline 1800 007 007)
Common questions, plain answers.
Why is Collections Corp contacting me?
An insurer, business or other organisation has referred your unpaid account to us so we can help you resolve it. Your letter or text from us should include the original creditor's name and a reference number.
What if I genuinely can't afford to pay right now?
Tell us, that's exactly why our hardship process exists. We can pause action, reduce repayments, or extend a plan based on your situation. You can also speak to a free financial counsellor on 1800 007 007.
Will this affect my credit report?
Defaults of $150 or more that are 60+ days overdue can be listed on your credit file. Paying the debt or setting up an arrangement before that happens helps protect your credit. If a default has already been listed, paying it doesn't remove the listing but does update its status to "paid".
Can you take me to court?
Legal action is a last resort. We'd much rather work out a fair plan with you. If a debt does proceed to legal, you'll get formal notice and the chance to respond before anything is filed.
How do you handle my personal information?
Strictly under the Privacy Act 1988 and the Australian Privacy Principles. We only use your data to manage your account and recover the debt. You can request access to or correction of your information at any time.
Can someone else (a family member, advocate) talk to you on my behalf?
Yes, we just need your written or verbal authority noted on the file. We work with financial counsellors, community legal centres, and family support workers regularly.
I'm experiencing family violence, what should I do?
Call us on 1300 369 529 and mention you'd like to speak about a sensitive situation. We have specially trained team members and a documented family violence policy. Your safety comes first.
You don't have to do this alone.
These services are free, confidential, and completely independent of Collections Corp.
Free financial counselling for anyone struggling with debt, no obligations.
ndh.org.au · 1800 007 007If you're not coping, please reach out. 24/7 crisis support and suicide prevention.
lifeline.org.au · 13 11 14Talk to a real person, no judgement, no scripts.
Our customer support team is available Monday to Friday, 8am – 7pm AEST. Outside those hours, leave a message or use the contact form and someone will get back to you the next business day.
"They actually listened. We worked out a payment that I could keep up with, and now I'm done with it."
, Customer feedback, 2025