Debt Collectors in Wollongong
Fully licensed commercial debt collection agency in your city
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Fully licensed commercial debt collection agency in your city
Unpaid invoices are a reality of doing business, but they don’t have to stay unpaid. AMPAC is a fully licensed debt collection agency with over three decades of experience helping Illawarra businesses recover overdue debts, without the stress or the runaround.
30+ years of recovery experience | National and international coverage | 24/7 client access via AMPAC Online
Contact Our Wollongong Debt Recovery Team
The team at AMPAC Debt Recovery have developed debt collection strategies designed to suit the broad range of markets they specialise in.
The Illawarra is home to various industries, from heavy manufacturing and port logistics to healthcare, education and retail. Across all of them, overdue debt is a persistent challenge. AMPAC’s Wollongong debt recovery services are designed to cut through the delays and get results.
We work with Wollongong businesses at every stage of the recovery process, from the first missed payment through to enforcement. Our team pairs specialist knowledge with smart technology and a clear, structured process, so nothing slips through.
Our commercial debt recovery is built for B2B situations where a business has supplied goods or services and hasn’t been paid. We handle debtor location, negotiation, asset verification, and advice on litigation and insolvency, so we can recover what your business is owed.
From a single overdue account to a portfolio of outstanding debts, AMPAC’s debt recovery services in Wollongong scale to match the job.
For businesses with complex debtor documentation, we also provide support with credit documentation to help tighten up terms of trade and reduce future risk.
You refer the outstanding debt to AMPAC with relevant supporting documentation. We assess the matter and assign a dedicated relationship manager to your account.
We contact the debtor quickly across several channels: phone, email and formal written demands. Getting in early and staying on it is what makes recovery work.
Our team works to reach an agreed resolution, whether that’s a lump sum payment or a structured repayment arrangement. We keep you informed at every stage.
If a debtor won’t respond or breaks an arrangement, we advise on next steps, which may include litigation, judgment enforcement or insolvency action.
AMPAC Online keeps you across your matters around the clock. Log in from any device and see exactly where things stand.
AMPAC has hands-on experience recovering debt across the Illawarra’s key industries:
The steel industry and Port Kembla’s broader manufacturing ecosystem generate significant B2B credit exposure. We know how these deals are structured and where payments tend to stall.
Freight, warehousing, and supply chain businesses operating through Port Kembla regularly encounter payment disputes and overdue accounts.
Illawarra coalfield operators and their suppliers often deal with high-value debt situations requiring a sophisticated recovery approach.
Payment delays and disputed progress claims are endemic in construction. Our construction debt recovery specialists know exactly how to handle them.
Outstanding accounts receivable, insurance recovery, and unpaid medical debts are all within AMPAC’s scope.
Private schools, universities and other educational institutions dealing with overdue fees can access our specialist education debt recovery services.
For clients with debtors outside Australia, our international debt recovery network spans more than 180 countries.
AMPAC serves clients across the Illawarra and South Coast, including Wollongong, Shellharbour, Kiama, Dapto, and Port Kembla.
In NSW, the limitation period for most debts is six years from the date the debt was due or was last acknowledged in writing.
Once this period expires, the debt becomes statute-barred and cannot be enforced in court, though it does not disappear entirely. For creditors, that’s why it pays to refer overdue accounts to a collection agency early. AMPAC’s most successful clients escalate overdue accounts well before the limitation period becomes a concern.
Australian regulators, including the ACCC and ASIC, publish specific contact frequency standards that govern licensed debt collectors. AMPAC follows these regulatory guidelines.
Ignoring a Wollongong debt collector’s contact in NSW rarely makes the debt go away. If the debt is legitimate, ignoring it usually leads to escalation.
This can mean legal proceedings that end in a court judgment and enforcement action. A court judgment can lead to a range of enforcement actions. It can also affect your credit rating. Early engagement with the collection agency or the creditor is almost always preferable.
Under the Limitation Act 1969 (NSW), most debts cannot be enforced through the courts after six years. However, certain events can reset or extend this period, including a written acknowledgement of the debt or a part payment. Some debts, such as those owed to government bodies and certain secured loans, also have different limitation periods. Legal advice specific to the debt in question is always recommended.
Debt collection fees vary with the agency you use, how large the debt is and how complex the matter is.
Many agencies, including AMPAC, operate on a commission basis where fees are calculated as a percentage of the amount recovered, meaning there is no upfront cost to the creditor. Some matters involving litigation or significant investigative work may involve additional fees. AMPAC is transparent about its fee structure from the outset.
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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