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We take the time to understand your situation
​​Reclaim partner with creditors, lenders, and individuals to minimize the impact of unforeseen circumstances that have led to financial challenges for individuals.
Our mission is to help those in need navigate difficult times and reclaim control over their financial future.​
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"I struggled for 9 months to keep up repayments until i finally couldn't and started to ignore the creditor, I almost got a credit default. Reclaim bought my account and I am now paying a lot less each week and it didn't affect my credit rating"
Roslyn (QLD)
"Not sure why I ignored contact from Reclaim even when i knew i had to pay. Anyway so easy, got online setup a weekly repayment that i could actually afford, they approved it and everything is fine"
Tammy (NSW)
"Reclaim are not your typical Debt Collection Agency, they actually took the time to listen to my story and I ended making repayments a lot less then previously, its now paid and behind me"
Paul (NSW)
Have we reached out to you regarding an account that we've taken over? If so, please let us assist you by choosing one of the options below.
The Importance of Avoiding a Credit Default or Ensuring It Is Updated as Paid
We advocate for our partners to allow us to assume complete responsibility of accounts before it negatively impacts your future credit opportunities.
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Our ultimate goal is to support individuals in the repayment of debt and minimise the impact on their long-term creditworthiness.
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A credit default can have serious consequences for an individual's financial future, affecting everything from loan approvals to interest rates. Understanding the importance of avoiding a credit default, or addressing one promptly, is crucial for maintaining good financial health.
Here’s why taking proactive steps is essential:
We recognize that life can be unpredictable, and changes in circumstances can affect our ability to meet financial obligations. The worst thing you can do in these situations is to ignore them. At Reclaim, we advocate for our partners to allow us to take over accounts before a credit default is lodged. While this may not always be possible, it is our goal.
​This proactive approach puts us in a unique position to assist you in escaping a situation that may be beyond your control. Making contact demonstrates our clients' commitment to regaining control of their finances. All we ask is for our clients to communicate openly with us about their individual situations. We can establish a minimal weekly payment amount to alleviate unnecessary financial pressure and stress.
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We don’t require extensive documentation or proof of your circumstances, as we understand that can add to the existing stress. ​If you find yourself unable to make any payments for a period, we can discuss alternative options, such as extending your time to pay rather than setting up a repayment plan. ​​We're here to help you avoid a credit default and guide you toward financial well-being, reducing the stress that comes from having debt. If you can’t pay, please reach out to us and we’ll assist you.