A debt recovery review begins with the basis of the amount claimed and the evidence connecting that amount to the other party. Clear records help identify the strengths, gaps and practical next steps in an outstanding claim.

This article provides general information only. Recovery depends on the facts, evidence, applicable procedures and the debtor's circumstances.

Identify the basis of the debt

Start by recording who the parties are, what was agreed, what goods or services were provided, when payment became due and what amount remains outstanding. If the debt arose from a personal arrangement, note the terms and any agreed repayment schedule.

Gather the core documents

  • Signed contracts, orders or written agreements
  • Invoices, statements and account records
  • Payment receipts and bank evidence
  • Delivery, completion or service records
  • Correspondence and acknowledgements
  • Notices, settlement proposals or existing case documents

Prepare a clear chronology

A dated sequence of the agreement, performance, invoices, payments and follow-up communication can make the claim easier to understand. It can also reveal missing records or inconsistencies that should be addressed before further steps are considered.

Assess practical recovery options

Depending on the circumstances, options may include direct communication, a repayment proposal, negotiated settlement or a formal recovery route. No invoice, agreement or demand guarantees recovery, and formal enforcement must follow the applicable procedures and be handled by appropriately authorised professionals.