Legal Action for Debt Recovery

Is Litigation Required to Recover Your Money?

In many cases, litigation is not required to recover outstanding debts. However, when debtors fail to engage or resolve matters voluntarily, legal action can become a necessary and effective recovery tool.

ACS Debt Collection maintains strong working relationships with a national network of agents, mercantile partners, and experienced legal firms, allowing us to progress matters efficiently in any Australian state or territory. Where appropriate, we also coordinate with trusted partners in New Zealand.

We review the performance and service standards of our legal and enforcement partners regularly to ensure value, compliance, and optimal outcomes for our clients.

Legal Recovery Options Available

When legal escalation becomes necessary, ACS works with our appointed solicitors to initiate appropriate recovery action, which may include:

  • Issuing formal complaints or court proceedings
  • Obtaining judgment
  • Serving a statutory demand
  • Applying for a warrant of seizure and sale
  • Issuing a summons to attend for oral examination (SOE)
  • Commencing bankruptcy proceedings
  • Applying for an attachment of earnings order

Each option is assessed based on the debtor’s circumstances, the size of the debt, and the likelihood of recovery.

Transparent, Client-Controlled Litigation

ACS does not commence legal action without your instruction. Before proceeding, we:

  • Assess the most appropriate recovery option
  • Clearly explain risks, costs, and expected outcomes
  • Obtain written client approval before any legal step

This ensures you remain fully informed and in control while we manage the process professionally on your behalf.