From First Call to
Cash in Your Account
Our recovery process is designed to be simple for you and relentless for your debtors. Four clear steps, full transparency at every stage, and no cost unless we collect.
Free Consultation
Every engagement begins with a conversation. No paperwork, no commitment, no cost.
You reach out to us via phone, WhatsApp, or email. We'll arrange a time to talk through your situation: how many accounts you have outstanding, what type of debtors you're dealing with (individuals, businesses, schools, patients), the amounts involved, and how long the accounts have been overdue.
This initial consultation has one purpose: to understand your needs so we can tell you clearly whether we can help and what our approach would be. There is no obligation to proceed. There is no consultation fee. And there is no sales pitch. Just an honest conversation about your debt situation and what a professional recovery effort would look like.
By the end of the call, you'll know exactly how we work, what our commission structure is, and what you can realistically expect in terms of recovery outcomes. You'll also have the opportunity to ask anything about our process, our experience, or our compliance practices.
What to expect in your consultation:
- A review of your outstanding account portfolio
- Honest assessment of recovery prospects
- Explanation of our full service offering
- Commission rate and payment structure explained clearly
- Your questions answered, no pressure to commit
Book Your Free Call
Speak directly with Angelique. No scripts, no call centre. Just a real conversation about your accounts.
What You'll Need
- Debtor names and ID / registration numbers
- Contact details (last known phone, email, address)
- Outstanding balance per account
- Original invoice, statement, or account record
- Date of last payment (if any)
- Any previous communication with the debtor
Don't have all of this? Don't worry. We'll tell you what's essential and work with what you have.
Handover Your Accounts
Once you're ready to proceed, the handover process is straightforward and handled entirely by us.
We'll send you a simple service agreement that sets out our terms: the commission rate, what services are included, how reporting works, and how payments are made. This agreement is plain language and transparent. Once signed, you are protected and so are we.
You then provide us with your account list. This is typically a spreadsheet or your existing debtor records, whatever format you work in. We need the key information about each debtor: their name, contact details, the outstanding balance, and the documentation supporting the debt (an invoice, statement, or signed agreement). We'll let you know exactly what's needed and guide you through any gaps.
From the moment accounts are handed over, you hand over the burden. You don't need to make calls, send letters, or deal with difficult conversations. That's our job. You get on with running your business while we get on with recovering your money.
Your role after handover:
- Receive and review monthly reports
- Inform us if a debtor contacts you directly
- Add new accounts as they arise
- Everything else: we handle it
Recovery in Action
This is where the work happens. Systematic, persistent, and fully documented.
Once accounts are loaded, we begin the recovery programme immediately. Each debtor receives a formal initial contact: a written demand that clearly states the outstanding amount, the basis of the debt, and a deadline for payment or engagement. This is professional and measured, designed to prompt action without damaging your relationship with the debtor any further than necessary.
If there's no response, we follow up. Phone calls, SMS, email: we use every legitimate channel of communication on a structured schedule. If a debtor engages and requests a payment arrangement, we assess the proposal and come back to you with their offer. If a debtor continues to ignore contact, we escalate: formal demand letters, and where appropriate, credit bureau listings.
For debtors who have disappeared or changed their contact details, our tracing service runs concurrently. When a debtor is located, the recovery programme picks up immediately. No delays, no restart. The process continues from where it left off.
Written Demands
Formal letters establishing the debt and demanding payment within a defined period.
Phone Follow-Ups
Scheduled calls at defined intervals, professionally conducted, every response documented.
Tracing
Nationwide skip-tracing for debtors who have relocated or changed their contact details.
Bureau Listings
Credit bureau listings for persistent non-payers, a powerful legal tool to prompt settlement.
The Recovery Escalation Path
Monthly Payment Flow
You Get Paid
Every rand collected on your behalf comes back to you: reliably, monthly, and with full documentation.
When debtors pay, the money is received and held in our accounts. At the close of each month, we reconcile all collections across your account portfolio. Our commission is calculated and deducted at this point. You never need to invoice us or track what's owed. The balance is then transferred directly to your bank account by EFT.
Together with your payment, you receive your monthly report. This details every account we worked during the month, what actions were taken, and which accounts generated the collections reflected in your payment. There's a clear, auditable connection between the report and the transfer. Nothing is vague, nothing is unexplained.
This monthly cycle continues for as long as you have accounts with us. New accounts can be added at any time. Settled accounts are closed and removed from the active portfolio. You stay in full control of what we're working and what gets closed.
What makes our payment model clean:
- No upfront fees, ever
- Commission deducted automatically, no manual billing
- Monthly EFT, same time every month
- Report matches payment, line for line
What Makes Our Process Different
There are other debt collectors in South Africa. Here is why the way we work sets us apart.
No Upfront Fees
We work on a commission-only basis. You pay nothing until we collect. This aligns our incentives perfectly with yours. The more we recover, the more we both benefit. There is no monthly retainer, no account loading fee, and no charge for tracing or bureau listings.
POPIA Compliant
We handle all debtor and client data in strict accordance with the Protection of Personal Information Act. Your clients' data, and your own business data, are processed lawfully, stored securely, and used only for the purpose of debt recovery. We do not share data with third parties outside the necessary scope of our work.
Monthly Transparency
Every month, without fail, you receive a comprehensive report covering every account we manage. You'll see exactly what was done, what was collected, and what remains outstanding, matched against a payment summary. You are never left guessing about the status of your money.
Process Questions
Straight answers to the questions we hear most often.
How long does the recovery process take?
It depends on the debtor and the account. Some debtors respond to the first formal demand and settle within days. Others require weeks of follow-up, tracing, or bureau listing before they engage. There is no fixed timeframe. What we can promise is that every account receives continuous, structured attention until it is either collected or formally closed.
We don't give up. As long as an account remains active on our portfolio, it is being worked. We'll keep you updated monthly so you always know the status of each account.
What happens if a debtor contacts my business directly?
This does happen, especially at the start of the process when debtors are startled by formal demand letters. If a debtor contacts you directly, the best course of action is to let them know that the account is now being handled by Any Collections Pty Ltd and direct them to contact us.
Please let us know immediately if this happens. It's important that we're aware of any direct contact so we can update our records and adjust our approach accordingly. Do not agree to any payment plans directly, as this can complicate the recovery process.
Can I add new accounts after the initial handover?
Absolutely. Most of our clients add accounts on an ongoing basis as new debts become overdue. There is no minimum or maximum number of accounts. You can hand over a single account or a hundred at a time. Our process handles both.
Simply send us the account details using the same format as the initial handover, and we'll load them into the portfolio and begin the recovery programme. New accounts appear in your next monthly report so you can see exactly when they were loaded and what initial contact has been made.
Book Your Free Consultation
The first step costs you nothing. A 15-minute conversation with Angelique is all it takes to understand exactly what we can recover for you and how we'll go about it.
No upfront fees. No obligation. Nationwide service.