Where the cash flow starts.

Specialising in credit management and debt collection.

Debt Collection Debt Collect Debt Debt Collector

FAQ

Why do you call people even when they tell you that they are broke and could not pay their debts?

Our goal is to fully understand the financial situation of all our Clients’ debtors in order to determine the fairest and most achievable repayment options for them.

We may require further information and proof of a debtor’s financial situation so we can assess and provide an informed solution. We may call debtors from time to time so that we can re-evaluate their financial situation and adjust their payments accordingly. We understand that this can be a time consuming matter so we will do our best to only call when it is necessary. If you need to speak with our staff personally regarding this matter, please give us a call on 08 9221 3636 so we can help you out now.

What will happen if I ignore your attempts to contact me?

The team at JBS Credit Services is here to assist you in paying off your debts in a timely and stress-free way. We strongly suggest that you keep in touch in order to minimise interest that may be accruing and to avoid potential enforcement action against you.

We are here to help, so we’ll need to speak with you in order to understand your current circumstances and resolve your account. Communication is very important from both sides. Please don’t ignore our attempts at contacting you as it is the most effective way in settling your account.

Why do you need all of my contact details?

We value your privacy, which is why we need your correct contact information to verify that the account is yours. This way, we can get in touch with you directly rather than through other people. If there are any changes in your contact details, please update them with us so we may easily and quickly contact you when needed.

ACCOUNT QUERIES

How do I make a payment?

We have a range of options available to our customers. We accept payments by cheque, direct deposit (EFT), cash, money order, and, soon, via Bpay and credit card.

For more details, please call your Collection Officer at JBS Credit Services so we can discuss the best option for you. You may also visit our payment page for more details.

How do I find out the current balance of my account?

Please contact your Collection Officer At JBS Credit Services on 1300 300 149 as and he or she will be able to assist you promptly in determining your account’s current balance.

Can I pay my account over a period of time?

We have a range of payment plans available to our customers to suit their needs. It’s best to speak with your Collection Officer so that they may recommend the best payment plans for your current financial situation.

You should have information about your finances at hand (income, expenses, assets and debts) before you call so to enable your Collection Officer to assist you with the best options.

What will happen if I can’t keep up with my repayments, or when there aren’t enough funds in my bank account to debit?

We understand that your financial situation can change which may cause you some difficulty maintaining your arrangements with us. Your Collection Officer may contact you from time to time to review your current situation and, if required, work with you to adjust your payment arrangement accordingly.

However, if you do find yourself experiencing difficulties in keeping up with the frequency or amount of your arrangement, then please contact your Collection Officer on 08 9221 3636 in order to find a more suitable arrangement for your current financial situation.

If you know that you may not be able to make a payment please contact your Collection Officer at least 24 hours prior to when the payment is due so they can negotiate a suitable alternative with you.

If you do not notify your Collection Officer in advance, then you may be charged a payment default fee or your account may fall into arrears.

What will happen if I am currently in a financial position where I can’t make any payments to my account?

We’ll be able to offer arrangements specifically designed for customers who may be experiencing financial hardship.

If you believe you are experiencing financial hardship, please contact your Collection Officer to discuss your financial situation and to enable us to find an arrangement best suited to your change in circumstances.

What do I do if I am not the account owner but want to sort out an account?

We value the debtor’s privacy and will never disclose any personal information about their accounts to another party without written permission.

If you wish to contact us on behalf of a debtor, then you should check out our Resources Page for information about Third Party Authority.

How do I request a statement for my account?

The fastest and easiest way to get information about your account would be to contact your Collection Officer through phone (1300 300 149) or email (admin@jbservices.com.au).

UPDATING ACCOUNT DETAILS

How can I update my contact details?

It’s important that we are notified of any changes to your contact details immediately.

Please notify your Collection Officer through phone (1300 300 149) or email (admin@jbservices.com.au).

How can I appoint a third party to handle my account on my behalf?

If you want to nominate a representative (a relative, friend or financial assistance professional), then we will require your written approval.

Please visit our Resources Page for information about Third Party Authority.

CREDIT FILE INFORMATION

Do I have a default on my credit file?

For accounts that have been overdue for more than 60 days, your credit provider may list a default on your credit file with a credit reporting agency, subject to certain requirements in accordance with the Privacy Act 1988 (Cth).

If you are not sure whether you have a default listing on your credit file, please contact your Collection Officer through phone or email.

For more information on default listings and credit reporting agencies please visit http://www.mycreditfile.com.au

What will happen when I have a default on my credit file?

Once a default is listed on your credit file, then you may have difficulty in obtaining further credit in the future.

The default listing will remain on your credit file for 5 years, even if you pay the account. It will be updated as ‘paid’ or ‘settled’ once your account is finalised with JBS Credit Services.

For more information on default listings and credit reporting agencies please visit http://www.mycreditfile.com.au

Can you remove the default listing from my credit file after I’ve paid my account?

Even after you have paid your account with us, your credit history will remain accurate and complete. Records of defaulted accounts are generally listed with a credit reporting agency for a period of five years.

The reason behind this is that banks and other financial institutions use this information to decide whether to offer credit to an individual. Nevertheless, upon finalisation of your account, the default listing shall be updated as ‘paid’ or ‘settled’.

LEGAL ACTION AND DEFAULT NOTICES

I can’t pay in full and legal action has already commenced. Can I pay it off by instalments instead?

We are always willing to discuss your financial situation in order to make a suitable arrangement in paying your account.

Please contact your Collection Officer as soon as you can so that we may discuss other possible options with you.

FEEDBACK

How do I file a complaint against JBS Credit Services?

We pride ourselves in the professional and ethical way in which we deal with debtors.

However, if you need to file a complaint, please send us a notice in writing to admin@jbservices.com.au and we will deal with the matter as quickly and as openly as possible

I am greatly impressed by the service that I’ve received. How do I send feedback about my dealings with JBS Credit Services?

If our staff or your Collection Officer has been particularly helpful to you, please let us know as we’d like to use positive feedback in our staff appraisals and to build on our testimonials. Please send us a quick email to admin@jbservices.com.au


FAQ'S FOR CLIENTS


How does JBS Credit Services go about collecting my debt?

We currently hold a Debt Collectors Licence pursuant to the Debt Collectors Licensing Act 1964. In holding this licence we come under the regulations and guidelines of the Australian Securities and Investments Commission (ASIC) and Department of Commerce (WA).

JBS Credit Services is committed to providing the highest level of service and we pride ourselves in adhering to all industry standards as stipulated by all related regulatory bodies.

What’s a debt collecting service?

JBS Credit Services is a debt collecting service acting on your behalf to collect your outstanding debts. We will handle the entire process from locating and contacting your debtors, to negotiate and collecting payment from them, by enforcing any arrangements, including handling litigation if necessary.

Why use a debt collecting service?

Collecting debt can be a time consuming process, especially if debtors are purposefully avoiding you. By engaging a debt collecting service, you save time, improve your cash flow, and focus your attention where it matters most – running your business.

The team at JBS Credit Services has years of experience and has the resources necessary to carry out the job of collecting debts. Sometimes, simply engaging a debt collecting service as a third party will get your bad debtors to pay immediately.

How much will it cost?

We work on a “no recovery, no commission” fee structure. Call JBS Credit Services today on 1300 300 149 – one of our friendly staff members will advise our very competitive price structure.

Can I charge my debtor the collection costs?

Depending on the terms and conditions established with your debtor, you may be able to charge them recovery costs. Our staff are available to review and advise you of your current terms and conditions and your ability to recover our costs.

How do I get started?

Simply give us a call on 1300 300 149 or visit our Perth office so we can get you started. We can send out demand letters and begin our collection efforts on the same day, as soon as we finish all the paperwork upon receiving your authority and debt details.

How do I lodge my debt with you?

Simply send us details of the debt via fax, mail, or email. If you are sending larger volumes of debts, we will request a spreadsheet format so we can upload it directly to our debt management system.

What if the debtor pays us direct after referral to JBS Credit Services?

It’s important that you notify our office immediately in order to avoid any miscommunication with the debtor. You will be charged commission as per your client service agreement.

What are your payment options for our debtors?

We offer a variety of payment options including money orders, cheques and direct deposit/EFT. We are currently in the process of adding more payment functions – Bpay and credit card. Stay tuned as this option isn’t far away. Your debtors have a host of options to choose from in order to pay. We’ll collect all payments directly to our trust account and will remit payments to you each month along with a detailed summary of the payments that we received.

Visit our Payments Page for more information.

FREE NO OBLIGATION QUOTE

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