Resource Centre
Guides, tools and answers for getting paid
Practical, plain-English resources on commercial debt recovery — how the process works, how to keep your receivables healthy, and what to do when an account goes overdue. No jargon, no fluff.
In-depth guides
Start with the fundamentals
Four reference guides that cover recovery from every angle — from preventing overdue accounts to knowing your options once one has aged.
The commercial debt recovery process, end to end
What actually happens after you refer an overdue account — every stage from verification to resolution, and what you can see at each step.
Read the guide
The credit-control playbook
The habits that measurably shorten the time it takes to get paid — none of which need new software, only consistency.
Read the guide
Unpaid invoice: the escalation timeline
A practical, day-by-day timeline for chasing an overdue commercial account — from the day it falls due to the point where referring it makes sense.
Read the guide
Interest, costs and limitation periods
Can you add interest and recovery costs to an overdue account, and how long do you have to act? A clear, general overview of both.
Read the guide
Your rights when we contact you about a debt
If you've heard from us about an overdue account, you have clear rights. Here they are in plain English — and where to get free, independent help.
Read the guide
How we handle your information
A plain-English explanation of what personal information we hold about you, where it came from, why we have it, and the privacy rights you can use.
Read the guide
Security of Payment: a plain-English guide for construction and trades
What payment claims, payment schedules, reference dates and adjudication mean — and why the rules differ across QLD, VIC, NSW and the ACT.
Read the guide
Letter of demand: a free template and how to use it
A clear, non-threatening letter-of-demand structure you can adapt — and the things to avoid so your letter stays effective and compliant.
Read the guide
If you're struggling to pay
Tough times happen. Here's how to tell us, what we can do to help, and the free, independent support available to you.
Read the guide
The commercial credit application: what to collect and a free template
A strong credit application is the foundation of every recoverable debt. What to include — and a free, plain-language template to start with.
Read the guide
What should your terms of trade include? A practical checklist.
Clear terms of trade are the foundation of every recoverable debt. This checklist covers everything a commercially sound set should contain.
Read the guide
Free interactive tool
What is late payment costing you?
Overdue invoices tie up working capital and soak up your team's time. Enter a few figures for an indicative picture of what your overdue book is really costing — and what recovering it could free up.
Free interactive tools
Run your own numbers
What is late payment costing you?
Quantify the hidden cost of your overdue book in tied-up capital and wasted time.
Net recovery estimator
See how much you keep after commission on a typical recovered account.
Is it worth referring this debt?
Calculate expected net recovery versus your in-house chasing cost by account age.
If you have received a letter from us
Information for customers
Plain-English guides on your rights, how your information is handled, and what options are available to you.
Your rights when we contact you
What you can ask for, how to dispute, and where to get free independent help.
Struggling to pay?
Hardship options, payment plans, and free support services that can help.
How we handle your information
What personal information we collect, how we use it, and your privacy rights.
What is a letter of demand?
Understand the letter you have received and what it means for you.
From the Newsroom
Latest insights
Understanding the debt recovery process
A plain-English walk through how commercial debt recovery actually works — from the first reminder to resolution —…
Received a payment notice from Merion? Here is what it means
If a letter from Merion has landed on your desk, it is not a cause for alarm. Here…
Five practical ways to reduce overdue invoices
Recovery is most effective when there is less to recover. Five changes to billing and terms that measurably…
More on the site
Explore further
Frequently asked questions
Quick answers to the questions we hear most often.
Debt recovery glossary
Plain-English definitions of the terms you will come across.
Our services
Recovery, receivables management, pre-legal and debt purchase.
Received a letter?
A full walk-through of your options and your rights.
Get started
Ready to recover what you are owed?
Refer an account in minutes — the assessment is free, and you only pay if we collect.