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For Customers

Debt recovery
in Melbourne

Melbourne’s cultural appeal and thriving job market make it an expensive city in which to live, which is why it’s never been more important to partner with a debt recovery business you can trust that understands your customers.

At ARMA, we’re unlike traditional debt recovery specialists, preferring a digitally-led approach that treats Victorians with dignity and leads to improved levels of repayment.

About Us

Manual processes and traditional communication methods don’t cater to modern customer expectations, and that can negatively impact recovery, trigger avoidance and create long-term debts. Instead, we use a digital platform backed by years of data and behavioural analytics. Our platform provides options for debtors to engage in their communications channel of choice and gives customers the flexibility to choose their preferred repayment option. The results are better engagement, positive experiences and an increased rate of debt recovery.

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.

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
Flexible collection methods

Who we work with

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, including government, banking and finance, energy and water, health, education, infrastructure, insurance and telecommunications.

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. Book a no-obligation consultation and find out how we’re helping more and more businesses across Melbourne 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 Melbourne businesses resolve their debts.

Why are our recoveries better than other debt collection services in Melbourne?

We focus on a positive debt recovery strategy that respects customers, helps us form strong relationships, creates better customer experiences and, ultimately, recovers debt. Our strategy is based on powerful customer analytics, using a streamlined payment platform to make repayments easy. Victorians expect to be treated with honesty and respect, which is why we take the time to listen and engage, avoiding a confrontational approach to create a positive experience for the customer.

Is your data and your customer’s data safe with ARMA?

The digital platform we use at ARMA holds security as a top priority. We know how important strong cybersecurity is to our clients, which is why our quality information management systems are accredited to ISO 27001, and our payment platform holds a Tier 1 PCI DSS security accreditation. The platform is hosted by the secure Microsoft Azure (with PCI DSS, ISO 27001, ISO 27018, SOC 1, SOC 2, SOC 3 and other security accreditations). For us at ARMA, we strive to uphold the highest standards of data safety and confidentiality. For more information, see our Privacy Policy.

Why is your technology better than traditional debt collection methods?

It is important to learn from the past. Traditional debt recovery can feel confrontational to modern customers, which can lead to avoidance and ongoing debt cycles. Our modern approach uses cumulative behavioural analysis to understand how and where our customers prefer to communicate. Across channels like WhatsApp, email, and SMS, customers find a frictionless system of easy communication and debt payment options. At ARMA, we understand that an empathetic, digitally-led approach to debt recovery increases the rate of repayment and customer satisfaction.

Not from Melbourne? Choose a location that’s best for you.

As a national company with offices around Australia and clients around the world, we can tailor a local collections service just for you, no matter where you’re based.

Book a consultation

Our team is happy to answer your sales questions. Just fill out the form and we’ll be in touch.

Let us know the best time to get in touch and one of our team will give you a call.