Professional conduct
Compliant, courteous follow-up that protects your reputation.
Buyer's guide
How to choose a debt collection agency
Not all agencies are equal. Here's what to look for — conduct, fees, reporting and the right approach — before you refer an account.
Choosing the right agency protects both your money and your reputation. The first thing to check is conduct: an agency acting on your behalf reflects on your business, so professional, compliant follow-up matters far more than aggressive tactics. Next, look closely at fees — a commission-only model with no upfront cost aligns the agency's incentives with yours, while retainers and per-letter charges do not. Ask what happens if nothing is recovered.
Reporting and visibility are just as important. You should be able to see where each account stands without chasing the agency for updates. Finally, consider focus and coverage: an agency experienced in commercial accounts across your states — for Merion, Queensland, Victoria, New South Wales and the ACT — will understand the context of your debts. Merion is built around all four: professional conduct, commission-only fees, real-time online tracking and a commercial focus. To put it to the test, you can refer an account or read our FAQ.
What to look for
Four things that matter
Transparent fees
A commission-only model with no upfront cost aligns incentives with yours.
Clear reporting
Real-time visibility so you're never left chasing updates.
Relevant focus
Experience with commercial accounts across your states.
Hold any agency to these standards
Merion meets all four — refer an account and see for yourself, free of charge.
Common questions
Frequently asked questions
What's the most important thing to check?
Conduct. An agency acts on your behalf, so professional and compliant follow-up protects your reputation as well as your relationships.
How should I compare fees?
Favour a commission-only model with no upfront cost and no hidden charges, and always ask what happens if nothing is recovered.
Should I expect reporting?
Yes. You should be able to see where every account stands in real time, without chasing for updates.
Does coverage matter?
Yes. Choose an agency experienced with commercial accounts in your states — Merion covers Queensland, Victoria, New South Wales and the ACT.
Get started
Comparing agencies?
Put Merion to the test — refer an account for a free, obligation-free appraisal.