Debt Management and Debt Collection

Unpaid invoices and mounting business debt put pressure on cash flow, staff, and growth plans. Stragans works with business owners to recover what they're owed, manage what they owe, and put systems in place so the problem doesn't repeat.

What is Debt Management and Debt Collection?

Debt management covers the strategies a business uses to handle its own liabilities, from renegotiating repayment terms to restructuring cash flow around debt obligations. Debt collection is the reverse side: recovering money owed to the business by customers who haven't paid on time. Most businesses need both at different points, and the two are closely connected. A business chasing overdue invoices is often also managing its own repayments to suppliers, lenders, or the ATO.

Debtor and accounts receivable collection

We help you recover outstanding customer payments before they become bad debt. This includes reviewing your aged receivables, contacting debtors on your behalf, and setting realistic payment timelines. Where a debt has stalled, we advise on the next steps, whether that's a formal demand, a payment plan, or referral to a collections agency.

Creditor negotiation and repayment plans

If your business owes money it's struggling to repay, we negotiate directly with creditors, including the ATO, banks, and suppliers. We work out repayment plans that keep your business trading while you pay down what's owed, and we handle the conversations so you can stay focused on running the business.

Cash flow and debt restructuring advice

We review your income, expenses, and existing debts to build a repayment structure that fits your actual cash flow. That might mean consolidating multiple debts, adjusting payment terms, or reprioritising which liabilities get paid first. The goal is a plan you can sustain, not just a quick fix.

Credit control systems

Prevention costs less than collection. We help you set up credit control processes, covering credit terms for new customers, invoicing schedules, and follow-up procedures, so overdue payments get caught early and bad debt stays rare.

Need assistance?

Debt problems get harder to manage the longer they sit. Contact Stragans for a confidential conversation about your receivables, your repayments, or both.