Experienced Chinese-speaking lawyers in Melbourne for debt recovery

Recovering debt can be a complex and challenging process, but with our experienced Chinese-speaking lawyers, you can rest assured that your case is in capable hands. We offer comprehensive debt recovery services for both creditors and debtors, tailored to meet your unique needs and circumstances.

Whether you are a creditor or a debtor, our debt recovery lawyers can help you achieve your desired outcomes and minimise your loss.

If you are a creditor who is trying to recover your debt

We can help you in the following ways:

  • gathering information about the debtor’s financial situation to determine the most effective way to recover the debt;
  • negotiating with debtors to reach a settlement;
  • drafting and sending letters of demand tailored to your needs; 
  • filing lawsuits in court; 
  • representing you in court and proceedings; and
  • pursuing garnishment of wages or bank accounts.
If you are a debtor who is facing financial difficulties

We can help you in the following ways:

  • negotiating with creditors to establish a manageable payment plan;
  • advising on the implications of bankruptcy and alternatives to bankruptcy;
  • reviewing and advising on your legal rights and obligations in relation to the debt;
  • challenging the validity of the debt;
  • representing you in court and proceedings, including defending legal action taken by creditors; and
  • providing legal advice on how to manage and resolve debt-related issues.

If any of the following resonates with you, you should speak to our lawyer today to find out the best course of action in your situation!

  • You have tried to negotiate a payment plan with the debtor, but they are not cooperating.
  • You have received multiple calls from debt collectors and are not sure how to proceed.
  • You have sent or received a demand letter, but don’t know what your next steps should be.
  • You are facing legal actions from the creditor and need representation in court.

Frequently asked questions

Why is it not always cost-effective to engage a debt collection agencies to recover debt?

Many people choose to use debt collection agencies to recover their debt. However, in the following situations, only lawyers can help you recover debt, and debt collection agencies are powerless in debt disputes:

Situation 1: The other party acknowledges the debt but doesn’t have the money to pay.

Debt collection agencies do not provide strategies or arrange legally binding payment orders and their methods of debt collection are limited due to legal restrictions.

Situation 2: The other party does not acknowledge the debt.

If the debt has not been acknowledged, debt collection agencies cannot represent you in court. Only lawyers can handle debt disputes in such a case.

Situation 3: You want to recover a debt in a way that suits your situation.

Debt collection agencies follow a fixed standard of debt collection methods, whereas lawyers can handle your case more flexibly and tailor their approach based on your situation and goals.

Situation 4: The other party’s delay causes the debt to be overdue.

If you do not recover the debt within the deadline, it may become overdue. In such a case, debt collection agencies may refer the debt to lawyers and you may miss the opportunity to recover the debt. Get in touch with us today to recover your debt as soon as possible. 

Is there a deadline for debt recovery in Australia?

Yes, the statute of limitations for debt recovery is generally six years in Australia. This means that after six years have passed from the date of the last payment or acknowledgment of the debt, a creditor may not be able to take legal action to recover the debt.

Additionally, it is advisable to recover the debt as soon as possible as the longer you wait, the more difficult and costly it may become. Seek legal advice on the best course of action to recover your debt now.

Can I recover a debt based on an oral agreement?

Even though oral agreements can be difficult to enforce, they can still be legally binding in Australia with sufficient supporting environmental evidence. An experienced debt recovery lawyer can help you gather evidence to support your claim and represent you in court if necessary.

Contact us to find out what options you have to recover your debt and to discuss the potential costs involved in pursuing legal action. 

Can I recover debt from a company that has gone into liquidation or someone who has declared bankruptcy?

If a company has gone into liquidation, it can be challenging to recover any debt owed to you. The liquidator typically takes control of the company’s assets and distributes the proceeds among the creditors.

Similarly, if someone has declared bankruptcy, it can be difficult to recover the debt owed to you as the assets are sold to pay off debts, and the bankruptcy trustee administers the estate. However, there may be options for recovering the debt, such as filing proof of debt with the trustee.

Seek legal advice on the best course of action to recover your debt in this situation.

What should I do if I want to challenge the validity of a debt?

If you believe that a debt is not valid or you have reason to dispute it, you should seek legal advice from our lawyers. We can guide you on the legal options available to you, such as negotiating with the creditor, filing a dispute, or challenging the debt in court.

How much does it cost to recover the debt?

The cost of debt recovery can vary depending on the complexity of the case and the amount of work involved. At Canaan Lawyers, we provide fixed fee pricing for our debt recovery services. 

In order to get a specific quote, it would be best to contact us directly. Our lawyers can assess your specific needs and provide you with a fixed-fee quote.

This FAQ content is general in nature and not intended as legal advice. For specific legal advice regarding your situation, we strongly advise you to consult a lawyer. 

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Need help with debt recovery? Speak to our Chinese lawyers in Melbourne today.

At Canaan Lawyers, we are committed to achieving your desired outcome and enabling you to succeed. Whether you are a creditor or a debtor, if you need help with matters related to debt recovery, our team of experienced lawyers is here to help. Contact us today to schedule a consultation with our experienced lawyers.

At Canaan Lawyers, we pride ourselves in our ability to provide premium law services in a variety of different areas, including criminal law, commercial law and litigation. If you have any questions or would like to arrange an appointment with one of our Chinese lawyers in Melbourne, get in touch with our team today. Our Melbourne based office can be reached on 03 9620 0888. Alternatively, you can send an email to info@canaanlawyers.com.au or fill out our online enquiry form and we’ll get back to you as soon as possible.