Debt Collection in Canberra
Fully licensed commercial debt collection agency in your city
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Fully licensed commercial debt collection agency in your city
When businesses in the ACT are left chasing overdue invoices, the impact on cash flow can be immediate and serious. AMPAC is a fully licensed Canberra debt collection agency with over 30 years of experience helping Canberra businesses recover what they’re owed, efficiently and ethically.
Trusted by private and public sector organisations nationwide | 30+ years of experience | National and international coverage.
Contact a Canberra Debt Recovery Specialist Today
The team at AMPAC Debt Recovery have developed debt collection strategies designed to suit the broad range of markets they specialise in.
Canberra’s economy is shaped by government, defence, professional services, and a growing private sector. AMPAC’s debt collection services in Canberra are built to serve all of them. From recovering unpaid invoices for government departments to supporting small and medium businesses in Civic or Gungahlin, our team understands the ACT market and delivers results.
Our commercial debt recovery team handles the full spectrum of overdue debt, from initial debtor contact through to litigation strategy and insolvency advice where required. We don’t take a one-size-fits-all approach. Every matter is assessed on its own merits, and every client gets a dedicated relationship manager who stays across their portfolio.
Business-to-business debt is our core focus. When a client fails to pay for goods or services supplied, the financial pressure on your operation builds fast. AMPAC’s commercial debt recovery in Canberra pairs skilled negotiation with debtor location, asset verification and strategic advice, so you’re not left waiting indefinitely for money you’re owed.
Our debt recovery services range from straightforward overdue invoices to complex multi-debtor matters involving construction debt, strata levies and local government rates recovery.
We take a structured, proactive approach to Canberra debt collection:
You refer the debt to AMPAC. Our team reviews the matter and identifies the best recovery pathway based on the debtor’s profile and the nature of the debt.
We make contact early and consistently by phone, email, and SMS, and demands are linked directly to our secure payment portal. Early engagement is where most recoveries happen.
Where debtors are willing to engage, we negotiate structured repayment arrangements that work towards full recovery while keeping the process moving.
If the debtor doesn’t respond or sticks to arrangements, we advise on your litigation, asset recovery and insolvency options so you can decide quickly.
Throughout the process, you have 24/7 access to your matters via AMPAC Online on PC, tablet or smartphone. That means you can check progress whenever you need to.
Canberra’s economy looks different to any other Australian city. AMPAC works with businesses and organisations across the full range of ACT industries, including:
AMPAC supports Government clients at Local, State and Federal levels all over Australia and is a long-term trusted partner where ethics and compliance are not negotiable.
Accountants, consultants, legal firms, and IT providers frequently encounter slow-paying clients. We handle recovery so you can stay focused on your work.
Payment disputes and overdue progress claims are common in construction. Our team is experienced in construction-related recovery matters.
Subcontractors and suppliers in the defence sector face unique commercial pressures. AMPAC has the expertise to support recovery in this industry.
Outstanding patient accounts, insurance claims, and other medical debts are all within our scope.
From ANU to the University of Canberra, educational institutions dealing with unpaid fees can access our specialist education and school fee recovery services.
If your business is dealing with international debtors, our international debt recovery team operates across more than 180 countries.
There’s no shortage of debt collection agencies in Canberra, but AMPAC stands out for a few reasons:
Get in touch today and find out what AMPAC’s debt recovery can do for your Canberra business.
AMPAC provides debt collection services across Canberra and the surrounding region, including Civic, Belconnen, Tuggeranong, Gungahlin, Woden, and Queanbeyan.
In the ACT, the standard limitation period for most debts is six years from the date the debt became payable or the last acknowledgement of the debt. After this period, a debt may become statute-barred, meaning it can no longer be enforced through the courts.
However, this does not mean the debt ceases to exist or that a collector cannot attempt to recover it through other means. Acting early greatly improves your chances of recovery.
Ignoring a debt collector in Canberra or otherwise is rarely a good strategy.
If the debt is genuine, ignoring contact can escalate to legal action and a court judgment, with enforcement measures such as wage garnishment or asset seizure. It can also affect your credit file. If you’ve received contact from AMPAC on behalf of a creditor, the best course of action is to engage directly to explore resolution options.
There is no fixed legal minimum, but practically speaking, the decision to pursue litigation depends on whether the cost of legal action is justified by the amount owed.
AMPAC assesses each matter individually to recommend the most appropriate and cost-effective recovery strategy.
Yes. If a debt remains unpaid and other recovery efforts have been exhausted, a creditor, or their appointed collection agency, can initiate court proceedings in the ACT.
Matters generally proceed through the ACT Magistrates Court or Supreme Court. A successful court judgment gives the creditor enforcement options, including asset seizure and garnishment orders.
Our team delivers efficient, compliant recovery solutions designed to help businesses secure outstanding payments while preserving important client relationships.
For more information on how we can assist, contact sales@4ampac.com.au or call 1300 426 722
Mark Logue is a Debt Collection Specialist and Joint Managing Director at AMPAC Debt Recovery. Mark is one of the founders of the business and brings more than 35 years of experience across debt recovery, credit reporting and credit risk management. His expertise spans all segments of commerce and industry, both across Australia and overseas. Mark works with businesses and Government organisations of all sizes to support effective debt recovery, reduce financial risk and help protect cash flow through practical, commercially focused solutions.
Miral Sarvaiya is a Key Account Director at AMPAC, with experience across credit management, debt recovery, litigation and international recoveries. She holds a Bachelor's Degree in Business Studies and a Master of Business Administration. She has a strong background in sales, relationship and account management as well as operational improvement. Since joining AMPAC in 2018, Miral has worked closely with domestic and international clients and their internal teams to manage accounts, support transition processes and deliver effective recovery solutions.
Anthony Stevanja is a Key Account Director at AMPAC, bringing experience across credit risk, accounts receivable and debt recovery. Before joining AMPAC, Anthony was a senior credit manager in a number of national and international companies, so he understands the challenges faced by credit teams and applies his knowledge when advising clients. Since joining the team in 2018, Anthony has supported the delivery of strategic recovery solutions for clients across a range of industries. His role focuses on strengthening client relationships, improving internal processes and supporting consistent service outcomes. Anthony works closely with clients and internal teams to help deliver practical, efficient and commercially focused recovery solutions.
Stephen Moloney is a Debt Collection Specialist and Sales Director at AMPAC, based in Melbourne. Since joining the business in 2012, Stephen has supported organisations across the commercial, government, strata, insurance, education and finance sectors. With over 30 years experience in debt recovery, his experience allows him to understand the unique challenges different industries face when managing overdue accounts and receivables. Stephen works with clients to provide practical debt recovery support, with a strong focus on compliance, professionalism, communication and effective outcomes.
Paul is arguably the most experienced debt recovery operative in Western Australia. With over 30 years experience assisting clients in WA to recover overdue debt, there is nothing he hasn't seen before. His expertise lies in commercial, consumer and all levels of Government debt. Paul leads the WA operation with a focus on building strong client relationships and consistent service delivery. His clients include Local and State Government organisations as well as a diverse range of large and small private sector businesses.
Do you have debt that needs recovering? Are you unsure on where to start? Contact AMPAC Debt Recovery for solutions today and speak to one of our qualified consultants to get you started.
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