Debt Collectors vs Lawyers: Why Legal Weight Matters in Debt Recovery

Admin | April 23, 2025

Many people turn to debt collectors to recover an outstanding debt, to no avail.

As qualified and experienced lawyers, we bring a level of legal authority that debt collectors don’t possess. Debt collectors can contact the debtor, negotiate repayment plans, and report debts to credit bureaus. However, they do not have legal standing to escalate matters beyond polite (or persistent) requests.

As debt recovery lawyers we can take immediate, formal legal action. From issuing statutory demands to initiating court proceedings, or winding up applications, we are equipped to take decisive and enforceable action. Providing real and enforceable consequences, not just warnings.


1. Legal Power

As debt recovery lawyers we can take immediate, formal legal action. From issuing statutory demands to initiating court proceedings, or winding up applications, we are equipped to take decisive and enforceable action. Providing real and enforceable consequences, not just warnings.

2. Credibility

A letter from a debt collection agency doesn’t carry the same weight as one from a law firm as often, there are limited consequences to ignoring a debt collector. However, in many instances, if the debt is in genuine dispute and there is an agreement documenting the amount owing, issuing a letter of demand or statutory demand is usually enough to trigger immediate payment. We inform the debtor that if the debt is not paid within the time stipulated, we will escalate and take more serious action, which could include winding up their company.

3. Regulated Professionals

Click and Collect Debt Recovery Lawyers are governed by the Victorian Legal Services Board This ensures that all our actions are not only effective, but compliant and legally sound.

Difficult Debtors
  • By engaging a law firm from the outset, there’s no need to wait through weeks of back-and-forth with a debt collection agency.
  • With legal backing from day one, you stand a far better chance of recovering what you’re owed, quickly and efficiently.

If you’re dealing with a difficult debtor, don’t waste time chasing them through the usual channels.

Talk to us today and recover what’s rightfully yours, with the full weight of the law behind you.

Ready to take action?

Now that you know how the process works, it’s time to get started. Don’t let unpaid debts sit any longer - get started today, and we’ll handle the legal steps for you. With no win, no fee, there’s nothing to lose and everything to gain.

START YOUR RECOVERY