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Clear answers for businesses recovering a debt and for anyone who has received a notice from us — plus the right form for every request.
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About your debt
Who we are, why we have contacted you, and how to verify a notice is genuine.
Who is Merion?
Merion is an Australian commercial debt recovery firm. Here’s a short introduction to who we are and how we work.
Read articleWhy is Merion contacting me?
A business you’ve dealt with has engaged Merion to help resolve an account they record as outstanding.
Read articleWhy does Merion need to verify my identity?
Verifying who we are speaking with protects your privacy and makes sure account information only reaches you.
Read articleIs Merion a legitimate company?
Yes. Merion Pty Limited is a registered Australian company, and you can verify our details independently.
Read articleWhat happens if I ignore Merion’s contact?
Ignoring a notice does not make an account go away — it narrows your options. Here’s why responding early helps.
Read articleHow do I know a letter or email is genuinely from Merion?
A few simple checks let you confirm that contact is genuinely from Merion before you respond.
Read articleWill this debt affect my credit?
Merion does not provide credit reporting services. Here’s what we can and can’t tell you about credit.
Read articleWhat is a letter of demand?
A letter of demand is a formal written request for payment. Here’s what it is and why you’ve received one.
Read articleCan Merion contact me at my workplace?
Workplace contact is sometimes used to reach you, but it is limited and must be handled discreetly.
Read articleHow often will Merion contact me?
Contact about an account is kept reasonable in both timing and frequency — here’s what to expect.
Read articleCan I ask Merion to contact me only in writing?
Yes. You can tell us your preferred contact method, including writing only, and we will record it.
Read articleHow do I log in to my account?
You can log in to the Merion portal using your email address or the reference number on your letter.
Read articlePayments & arrangements
Ways to pay, setting up a plan, and what to do if you have already paid.
How do I make a payment?
Your letter sets out the available payment methods. If you no longer have it, we can help.
Read articleCan I set up a payment plan?
Yes. If you can’t pay in full, you can propose an instalment arrangement that suits your circumstances.
Read articleCan I pay the original creditor directly?
Once an account is with Merion, it’s best to pay through us so the payment is recorded correctly.
Read articleWhat if I’ve already paid this debt?
Let us know straight away with the date and method of payment, and we’ll check it with the original creditor.
Read articleWhat payment methods does Merion accept?
Your letter sets out the available payment methods. If you don’t have it, we can confirm your options.
Read articleWill I get a receipt when I pay?
Yes — keep a record of every payment, and contact us if you need confirmation of your balance.
Read articleWhat happens when I finish my payment plan?
When the final instalment clears, the account is settled and closed. Here’s what that means.
Read articleCan I change a payment arrangement I’ve already set up?
Yes. If your circumstances change, contact us early and we’ll review the arrangement with you.
Read articleHow do I pay my account online?
Pay securely by card or bank transfer — in full or in part — through the portal or our Pay page.
Read articleIs paying online secure?
Yes. Card payments are handled by a PCI-compliant provider, and Merion never stores your card details.
Read articleCan I set up a payment plan online?
Yes. Log in to the portal and propose an arrangement that suits your circumstances — we consider every request fairly.
Read articleHow do I get a copy of my statement?
Request a full statement of your account online, and we’ll send it to the contact we hold for you.
Read articleDisputes & complaints
How to question an amount, request verification, or raise a concern.
How do I dispute a debt?
If you believe a debt isn’t owed or the amount is wrong, you can dispute it — and ask for it to be verified.
Read articleHow do I make a complaint?
We take complaints seriously. Here’s how to raise one, and how to escalate it if you’re not satisfied.
Read articleWhat happens after I lodge a dispute?
Once a genuine dispute is raised, recovery generally pauses while we review the matter with the creditor.
Read articleCan I ask for documents that prove the debt?
Yes. You can ask us to verify a debt, and we will obtain supporting information from the original creditor.
Read articleHow does the complaints process work?
If you’re unhappy with how we’ve handled an account, our complaints process is simple and free to use.
Read articleWhat can I do if I’m not satisfied with the outcome?
If our response doesn’t resolve things, you can escalate to an external body — here’s where to go.
Read articleHardship & support
Help if paying would cause hardship, and where to find free advice.
I’m experiencing financial hardship — what support is available?
If paying would cause genuine hardship, tell us — we can take your circumstances into account.
Read articleWhere can I get free financial counselling?
Free, independent and confidential financial counselling is available in Australia through the National Debt Helpline.
Read articleWhat counts as financial hardship?
Hardship means paying a debt would leave you unable to meet reasonable living expenses. Here’s what to know.
Read articleCan someone deal with Merion on my behalf?
Yes. A financial counsellor, family member or other representative can act for you with your consent.
Read articleFor businesses
Referring a debt, our commission model, and what we need from you.
How does Merion’s commission model work?
We work on a commission basis — our fee is tied to what we recover, with no hidden charges.
Read articleWhat information do I need to refer a debt?
You don’t need everything to get started — here’s what helps us act on a referral quickly.
Read articleHow long does debt recovery usually take?
Timeframes vary with the age and circumstances of an account — here are the factors that shape them.
Read articleCan I refer more than one debt at a time?
Yes. Whether it’s a handful of invoices or a batch of ageing accounts, we can take them together.
Read articleWhat happens if a debtor disputes the account?
A dispute is a normal part of recovery. Here’s how we handle one and what we may need from you.
Read articleDoes Merion recover debts owed from overseas?
Our focus is commercial accounts within Australia. Here’s how we can help with cross-border matters.
Read article