How long does debt recovery take?

A letter of demand typically generates a response within 7-14 days. VCAT proceedings take 1-3 months. Magistrates Court proceedings take 3-6 months. Most undefended matters resolve quickly once formal legal action commences.

Is there a debt recovery lawyer near me in Epping?

Yes — Waters & Co. Lawyers provides debt recovery services for businesses and individuals across Epping, Thomastown, Campbellfield, and all of Melbourne's north. We handle letters of demand, VCAT, Court proceedings, and enforcement. Call 0485 090 707.

Debt Recovery Lawyers Epping | VCAT, Magistrates Court, Letters of Demand

Being owed money is frustrating, damaging, and time-consuming. Whether you're a business chasing an unpaid invoice or an individual owed money under a personal agreement, our Debt Recovery Division provides fast, cost-effective solutions. We know the most efficient pathway to recover what you're owed — and we advise you on realistic prospects and costs at every stage.

What We Handle

Our Debt Recovery Services

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Letters of Demand

A professionally drafted letter from a law firm often resolves a debt quickly. We draft firm, legally compliant demand letters that set a clear deadline and consequence for non-payment.

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VCAT Debt Claims (up to $100,000)

VCAT provides a cost-effective forum for resolving debt disputes. We prepare and represent your claim efficiently.

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Magistrates & County Court Proceedings

For debts requiring Court — we handle filing, service, and full representation in the most appropriate forum.

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Default Judgments & Enforcement

Once judgment is obtained: garnishee orders, warrants to seize property, and examination hearings to uncover hidden assets.

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Statutory Demands (Companies)

Owed money by a company? A Statutory Demand under the Corporations Act is a powerful recovery tool — failure to comply within 21 days creates a presumption of insolvency.

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Commercial Invoice Disputes

Disputes over invoice amounts, services rendered, or contract performance — we advise on your position and pursue recovery efficiently.

Common Questions

Frequently Asked Questions

For simple matters (letter of demand, small VCAT claim), costs are modest and often recovered from the debtor if successful. We provide a fixed-fee or capped quote for most debt recovery matters.

A letter of demand typically generates a response within 7-14 days. VCAT proceedings: 1-3 months. Court proceedings: 3-12 months depending on whether defended. Most undefended matters resolve quickly once legal action commences.

We assess the cost-benefit for every matter. For debts under $5,000, VCAT is usually cost-effective. We will always give you an honest assessment of whether legal action makes financial sense.

We conduct an asset and income investigation as part of enforcement. Many debtors who claim to have nothing actually have wages, bank accounts, or assets subject to enforcement orders.

Ready to speak with our Debt Recovery Division?

Start with a free 15-minute phone call — no obligation, no cost.

📞 0485 090 707

💰 Debt Recovery Lawyers in Epping — We Help You Get Paid