Running a business comes with its fair share of roadblocks. Tight deadlines, shifting priorities, and sometimes, overdue invoices that just won’t get settled.

The worst part? You’ve done the work. Sent the invoice. Waited. Followed up. Still no payment. And the longer it drags on, the more it eats into your time, energy, and patience.

If you’re done chasing the same overdue accounts with no results, it might be time to call in the pros. These local debt collection services in Hamilton can help speed things up.

1. EC Credit Control

Address: 5 King Street

Phone: 0800 324 768

Business hours:

• Monday to Friday: 8:30 AM – 5:00 PM
• Saturday to Sunday: Closed

Website

EC Credit Control has been around for decades, and from what we’ve gathered, they’ve earned a solid reputation with a lot of small and medium-sized businesses.

Their fee structure caught our attention right away. There’s a flat NZ$50 fee to load a debt, but aside from that, you only pay commission if they actually recover something.

That setup seems to make them a lower-risk option, especially for businesses that are hesitant to throw more money at unpaid invoices.

One business owner we spoke to mentioned getting results within two days of submitting a debt. While that might not be the norm every time, it shows they can move fast when things line up.

Their online portal also makes life easier, especially if you’re already using Xero or MYOB. Uploading debts directly from your accounting software definitely cuts down on admin time.

There’s also something to be said about having real people involved. Some clients liked having a local rep to talk to, and EC can escalate things legally if needed.

That said, their commission can take a chunk out of smaller recoveries. At 25% on the first NZ$10,000 collected, it’s worth thinking about whether the return justifies the cost, especially for lower-value debts.

Quick and efficient

Quick and efficient service.

The first overdue client paid fast, (just days) I had been chasing the money for over 6 months.

Michael Skerrett, Google Review

Reliable service

ECCC helps our small business recover money owed (that we’ve effectively written off!) when former customers stop taking our calls. We find them quite effective and they take care of arranging long-term payment plans where we can be hands off and not worried if a customer misses a payment.

Jesse Archer, Google Review

2. Collect IT

Address: 14th Floor, Tower Building, 48 Ward Street

Phone: +64800932655

Business hours:

• Monday to Friday: 9:00 AM – 5:00 PM
• Saturday: 9:00 AM to 5:00 PM
• Sunday: Closed

Website

CollectIT is a small debt collection service based in Hamilton, but they’ve built a reputation that feels bigger than their size.

Looking into how they operate, we noticed right away that they approach debt recovery with a level of professionalism that isn’t always easy to find in this space.

The team focuses on being respectful when dealing with debtors—something that seems to make a difference for businesses trying to recover money without completely burning bridges.

We also heard they’re quick to act. CollectIT doesn’t wait for accounts to go cold. They follow up early and stick with it, which gives clients a better shot at getting paid—and sooner.

Their ledger management service also stood out. It’s useful for clients dealing with repeat late payers. Instead of just chasing down money, they try to improve payment habits and reduce future issues.

They offer a solid set of tools before things escalate legally—credit checks, PPSR searches, terms of trade setup, and court referrals if it gets that far. It gives businesses some flexibility depending on how the situation is unfolding.

The only drawback we noticed is their team size. With fewer than ten people running the show, they might not have the capacity to handle larger or more complex workloads like the national firms can.

Seamless, professional management

“We were finding it hard to fit in the kind of regular contact that’s needed to ensure late payers and debtors were receiving the kind of ongoing reminders that some of them needed. Employing CollectIT for our ledger management has given us significant savings in admin time, freeing us up to do what we do best – keeping people’s IT issues sorted.

CollectIT definitely does an outstanding job. They act as a member of our staff, so debtors are not given the sense that they have a debt collection agency breathing down their necks. We are impressed with their skills at dealing with debtors. They have all the answers to typical debtor responses at their fingertips. We have never lost a customer from the work they have done. CollectIT does my business proud.

Nicholas Spicer

Director

SPINCO Technology Ltd”

Nicholas Spicer, Facebook Review

User-friendly system with impressive results

“Your system is simple and easy to use. 

Thanks for your services – your powers are amazing to achieve a successful outcome,”

Kyly Coombes, Facebook Review

3.  Marshall Freeman Collections

Phone: 09 580 2444

Business hours:

• Monday to Friday: 9:30 AM – 5:30 PM
• Saturday to Sunday: Closed

Website

Marshall Freeman Collection has been working with businesses across New Zealand and Australia for over 15 years, and from what we’ve seen, they’ve built up a strong client base—more than 20,000 businesses, in fact.

What caught our attention right away is their no collection, no commission setup. For a lot of businesses, that kind of model feels lower-risk since you’re not paying unless they actually recover the debt.

Their team seems to take a focused approach to collections. They’re trained to read the situation, figuring out who’s actually able to pay versus who’s just avoiding it and applying consistent, professional pressure.

Based on what we’ve seen and heard, this helps push payments through without making things feel overly aggressive.

They also provide what they call a slow-payer toolkit, which includes things like reminder letters, stickers, and a process that encourages early payment. It’s a helpful option for businesses trying to deal with delays before things get serious.

We also liked that if someone ends up paying directly, the client doesn’t get charged commission.

They’ve got a 24/7 online portal too, which makes it easier for clients to check in on progress or upload info without needing to call or email every time.

One thing that came up, though, was the use of automation. A few people mentioned that follow-ups sometimes felt too impersonal, mostly templated letters without much back-and-forth.

Exceptional service

“The customer service over the phone actually made my day if i was to be honest and to whoever it was thank you it was interesting and made me happy and felt we’ll respected. Your a good person, i’d like to leave a 5 star rating for the service and 10/10 for the communication skills and respect i was given. Thanks for getting in contact with me wish this company nothing but the best🥇”

Pro One, Google Review

Kind and helpful service

“My lady I delt with was amazing and kind she explained things brilliantly and helped me to get things sorted she did not make me feel stupid like others do happy holidays”

Sharyn Stevens, Google Review

4. Central Collections Ltd

Address: 67 Seddon Road, Chartwell

Phone: +64 7 853 8421

Business hours:

• Monday to Friday: 8:00 AM – 5:00 PM
• Saturday to Sunday: Closed

Website

Central Collections made it to our list because of their long-standing experience and the way they’ve handled debt recovery for over 25 years.

They’re based in Hamilton but work with clients all over New Zealand. From what we’ve seen, their team seems to offer a solid mix of local insight and nationwide reach.

What caught our attention first was their no-win, no-commission model. You only pay the 20% + GST commission if they actually recover the funds. There’s a small fee to load the debt, but the setup helps businesses act without stressing about upfront costs.

They also offer more than just basic follow-ups. Their services include everything from field visits and legal enforcement to asset seizure and liquidations when needed.

We also noticed they use a decent range of tools like Centrix credit checks and vehicle registration lookups to help track down hard-to-reach debtors. It shows they’re set up to handle tricky cases, not just the straightforward ones.

One thing we liked was how flexible they seem to be. We heard that instead of pushing a fixed approach, they tailor their collection plans to each client, which makes sense when you’re dealing with different industries and debt sizes.

If there’s one drawback, it’s that older debts—those over six years old—can be harder to enforce through the courts. So if you’re trying to recover something that’s been sitting for a long time, your options might be limited.

Reliable long-term service

“Central Collection has been doing our collections for several years. They have great people and processes in place for us to retrieve monies owed that we probably wouldn’t of collected. Highly recommend.”

Gordie Boucher, Google Review

Excellent service and user-friendly system

“CCC has been a pleasure for my business to work with!  Their online Portal system is very user friendly and helpful for tracking our accounts with them.  It’s easy to get someone on the phone to ask questions, and the help is always thorough and prompt.  We tried two other collections agencies in the past and didn’t have very good results- but CCC has been awesome at recovering funds for us!  My business couldn’t be more pleased with them and I would highly recommend them to anyone looking for collection services.”

Michelle, Google Review

5. iCollect

Phone: +64 9 217 8737

Business hours:

• Monday to Friday: 9:00 AM – 5:00 PM
• Saturday to Sunday: Closed

Website

Many people recommend iCollect for its simple, self-managed approach to debt recovery, and after looking into how it works, we can see why.

They’ve been around for over 20 years and seem to have carved out a niche for businesses that want to handle collections on their own, without going through a traditional agency.

One of our contacts mentioned they’ve used iCollect specifically for chasing smaller debts that didn’t seem worth the cost of full commission-based services. That lined up with what we found.

iCollect charges a fixed fee to load the debt, and there’s no commission taken from what’s recovered, which definitely makes it more cost-effective for low-value accounts.

The entire system runs through their cloud portal, which is accessible 24/7 and integrates with Xero or via API. Once you load a debt, the platform sends out a series of letters—demand, default, and final notice at preset intervals.

You can pause or stop the process at any point, which gives you some flexibility even though it’s mostly automated.

They also use the name and backing of Guardian Credit Services, which seems to add a bit more weight to the notices being sent out.

That said, the main limitation is that iCollect doesn’t handle legal follow-up or field visits. If someone ignores all the letters, you’ll need to go through a separate agency to escalate it further.

Straightforward and reliable

“Proven, Reliable, No-Fuss Collections. We turn to iCollect whenever we’ve got a client dragging their heels on payment. The platform is straightforward, the process kicks off instantly, and we stay updated the whole way through. No chasing, no surprises – just results. Funds go direct to us, and the job gets done efficiently. We also recommend iCollect to our clients, and so far, they’ve delivered 100% of the time. That track record speaks for itself.”

Irene Bennetts, Google Review

Affordable and efficient

“Switching to iCollect has been a game-changer for our business. The system is incredibly user-friendly, making it easy for our team to manage collections efficiently. Not only does iCollect operate at a fraction of the cost compared to other collection agencies, but we’ve also seen a significant reduction in our debt owed month on month since adopting their services. We’re truly glad we made the move to iCollect, as it has transformed our debt recovery process and improved our financial health significantly.”

Nathan, Google Review