DEBT COLLECTION · SYDNEY AND NSW
Chargetree is a Sydney-based, no recovery, no fee debt collector for small businesses. We recover unpaid invoices from customers across Sydney and NSW by email, SMS, phone and letter, starting the same day you lodge a debt.
Based in Sydney, working with businesses in NSW, Victoria and Queensland.
Debt recovery for Sydney small businesses
We work with Sydney businesses in every industry, including tradies, wholesalers, clinics, consultants, manufacturers and agencies. The debts are real and the customers are often decent people having a rough patch, but there’s no one spare at the business to chase them.
The first email and SMS go out the day you lodge.
It’s no recovery, no fee, so there’s nothing to pay if nothing is recovered. See debt collection fees.
Payments land in your account through Stripe rather than a trust account.
We follow the ACCC/ASIC Debt Collection Guideline and pause for hardship or disputes.
Where we collect in NSW
Anywhere in NSW. Chargetree works remotely, so a debt in Penrith is handled the same way as one in Newcastle, Wollongong, the Central Coast or Wagga Wagga.
Free and low-cost help before court in NSW
If the debt is between two businesses and there’s a genuine disagreement, the NSW Small Business Commissioner offers low-cost mediation. It can settle a dispute without a court claim, and it’s worth trying before you file.
If a NSW debt still isn’t paid
When reminders and a letter of demand don’t work, NSW has clear next steps:
Option
What it covers
NSW Local Court, Small Claims Division
Claims up to $20,000, with simpler procedures
NSW Local Court, General Division
Claims from $20,000 to $100,000
NCAT (Home Building Division)
Disputes about residential building work
Security of payment (NSW)
Payment claims between contractors under the Building and Construction Industry Security of Payment Act 1999, which doesn’t cover homeowners
Court limits change from time to time, so check the court’s website before you file. Chargetree only refers a debt for legal action where you’ve switched that on or the debt is above your threshold.
Licensing in NSW
Since mid-2022, NSW only requires a commercial agent licence for field agents who approach people in person or enter their premises. Chargetree collects remotely and doesn’t make visits. See how we collect.
Frequently asked questions
Is Chargetree based in Sydney?
Yes. Chargetree Pty Ltd (ABN 56 671 867 137) is based in Sydney and works with businesses in NSW, Victoria and Queensland.
Do debt collectors need a licence in NSW?
Only field agents who approach people in person or enter their premises need a commercial agent licence in NSW. Collectors who work by phone, email, SMS and letter don’t, but they still have to follow the ACCC/ASIC guideline and consumer law.
What’s the small claims limit in NSW?
The NSW Local Court Small Claims Division hears claims up to $20,000. Larger claims up to $100,000 go to the General Division. Check the court’s website for current limits before you file.
Can the NSW Small Business Commissioner help with an unpaid invoice?
If the debt is between two businesses and there’s a dispute about it, the Commissioner’s mediation service can help both sides reach an agreement without going to court.
