Debt recovery for government

As an agency with a strategic focus in public sector recoveries, we have an outstanding reputation in helping governments supercharge their cashflows through smarter, faster, and more innovative processes.

Supercharge your cash flow

Our digitally-led recovery strategies can engage your customers earlier so you can get paid faster.

Free up your resources

Leave the hard work up to our experts so you can free up your people to concentrate on what they do best.

Protect your brand

As a fully licenced, insured and accredited collections agency, you can rest assured your reputation is in good hands.

At ARMA, we have a long and proud history of working with state, local and federal government departments.

We’re proud to work with some of Australia’s largest public sector bodies. In partnership with these organisations, we have built intuitive communication and payment strategies specifically for this sector. Our market-leading technology is changing the way people are choosing to manage their finances. And with support from a specialist government recoveries team along with our inhouse field and legal divisions, we can offer government organisations a genuine end-to-end service proposition that can boost your recoveries while delivering an exceptional user experience.

About Us

Best practice debt recovery

Our multi-hybrid collection strategy gives you the best of both worlds.

At ARMA, we bring together award-winning technology with our 100% Australian-based team of Customer Solutions Specialists to deliver the best outcomes for you and your customers.

How It Works

Meet Nikki Dennis

Sales Director

Nikki has over 20 years’ experience in debt collection, receivables management, hardship and training. She possesses specialist knowledge of managing the debt recovery contracts for governments, utilities and healthcare providers. An industry leader and speaker at AICM’s national conferences and events, Nikki is a regular contributor to industry publications both within Australia and the UK, and has been on the judging panel for the AICM Young Credit Professional of the Year Award.

Meet the Team

Get in touch today

The evidence is indisputable – the earlier a debt is referred for collection, the greater the chance of recovery. Find out how we’re helping more and more government departments recover their debts with our smarter, faster, more innovative approach to collections.

Contact Us

What can you expect

A prompt response to your enquiry.

No heavy-handed sales tactics to sign you up for any subscription or contract.

A detailed review of your requirements and a no-obligation quote to deliver the best available services.

Frequently asked questions

Find out more about how ARMA is helping more government organisations resolve their debts.

How does ARMA collect debt for government clients?

We offer a unique 'hybrid' approach to government sector recoveries, bringing together multi-award winning technology with highly specialised people who are trained and empowered to have genuine, compassionate, and effective conversations to ensure the best outcomes for all parties. Our communication strategy uses optimised digital channels and self-serve capability to improve the customer experience, while freeing up human resources to concentrate their efforts on more complex recovery matters. Our frontline teams are extensively trained across end-to-end public sector debt recovery management, and our engagement with customers is empathic, respectful, and professional with the goal of finding a mutually beneficial resolution.

Why is ARMA's technology better than traditional debt collection?

A key component of our recovery process is our self-service digital portal. Designed and managed inhouse by our team of 25+ developers, this fully integrated communication, billing and collection solution, which has been specifically customised for government debt recoveries, has set a new benchmark in the way government departments are able to engage with their customers and benefit from faster resolutions and an improved customer experience.

Why does it make sense for government to outsource their debt recovery activities?

For public sector bodies, outsourcing their debt recovery can make sense for several reasons:

Specialised expertise: Debt recovery requires specific knowledge and expertise in collections and negotiation. By outsourcing to a professional debt recovery agency, like ARMA, governments can leverage the expertise of experienced professionals who specialise in recovering outstanding debts. ARMA has the necessary skills, resources and strategies to effectively handle the debt recovery process.

Cost-effectiveness: Establishing an in-house debt recovery department can be costly in terms of hiring and training staff, setting up infrastructure, and managing ongoing operations. By outsourcing, governments can save on these costs. Our pricing is flexible and fully transparent, meaning that we can tailor a solution to meet your specific objectives, while giving you full visibility to your ROI at every step in the process.

Time and resource efficiency: Managing debt recovery can be time-consuming and resource-intensive. It requires dedicated efforts to locate customers, initiate contact, negotiate repayment plans, and follow up on payments. By outsourcing these tasks, governments can free up their internal resources to focus on their core business activities.

Compliance and legal considerations: Debt recovery is subject to various regulations and legal requirements. Outsourcing to a professional agency like ARMA helps ensure compliance with applicable laws and regulations governing debt collection practices. ARMA has extensive knowledge of relevant all relevant laws, regulations, and best-practice guidelines, and we can navigate the legal aspects of debt recovery more effectively.

Improved recovery rates: ARMA has established processes and techniques to maximise the chances of successfully recovering outstanding government debts. We have access to advanced tools for skip tracing, credit reporting, and collection software, which can help locate hard to find customers and facilitate the recovery process. Our award-wining technology coupled with our experience in negotiation can also lead to higher recovery rates compared to in-house efforts.

Focus on core competencies: Government departments can focus on their core competencies by outsourcing non-core functions like debt recovery. This allows them to allocate resources and attention to areas where they can add the most value and achieve higher customer satisfaction.

Not in government? Choose an industry that best describes you.

ARMA is trusted by more than 1,000 organisations to engage with their customers and to help them resolve their outstanding accounts. We work across all sectors in addition to government, including banking and finance, water and energy, health, education, infrastructure, insurance and telecommunications.