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When a debt arises, there are some things you can do prior to seeking legal action. Often, the most efficient method of recovering debts is to contact the person who owes you the money and attempt to find a resolution over the payment of debt. The customer may simply be having some financial issues due to unforeseen circumstance such as loss of job or being seriously ill, thus making them unable to work.

You should be aware that there are Commonwealth consumer protection laws in place that dictates what is classified as unacceptable behaviour by debt collectors. This will be further discussed in "Relevant consumer protection laws".

For further information, visit NSW Small Business.