About ARMA

ARMA Group Holdings Pty Ltd (ARMA) is a 100% Australian-based customer service company that helps organisations, and their customers resolve their outstanding debt challenges. We specialise in improving the financial wellbeing of individuals and businesses around Australia and around the world.

We’re a company on a mission to change the way people can resolve their financial challenges.

But more than that, we’re people, like you, who want to find positive outcomes from sometimes difficult situations.

We’re people who, at some point, have been on both sides of the ledger – we’ve owed money and we’ve been owed money. And we know that it can be a stressful experience.

But it doesn’t have to be.

How it works

1 Your debt is referred to us

We work with all kinds of organisations like banks, water utilities, energy companies and government. Often these organisations don’t have the time, systems or resources to contact you about your overdue account – which is why they ask for our help.

2 We’ll attempt to contact you

In the first instance, we’ll try to get in touch using digital means (email, SMS, WhatsApp) at a time that’s most convenient to you. We might also try to contact you over the phone or by sending you a letter.

3 We’ll work through your options with you

We’ll be as clear as we can about what options are available to you based on your individual circumstances. We know everyone’s different and so we’ll work with you to find the best way to get you back on track.

Our purpose is to provide better ways to resolve debt.

We’ll treat you with honesty and respect and we’ll expect the same in return. We’ll be upfront about what’s expected from you, and we’ll give you every opportunity to resolve your debt in a way that’s fair and reasonable to all parties.

We won’t ask you to enter into an arrangement that you can’t afford, and we’ll provide clear and impartial advice at every step along the way.

Above all, we are here to help whenever you need us.

See what people have to say about us.

I just wanted to write and tell you what excellent service I received when dealing with your organisation. I think the man’s name was Michael who I spoke to, and he was so caring and understanding of my situation. He dealt with my issue in a very professional yet empathetic manner. I can’t thank him enough for helping us to reach a satisfactory conclusion. Please pass on my sincere thanks and best wishes to him.

I can’t tell you how much anxiety and stress your email has lifted on hearing the decision of your team in the Financial Hardship section of ARMA Group. As you are aware my son has been to hell and back over many years and as recently as Monday felt there was not much reason to go on (not to mention his Mum after such a lengthy period of many years) and with decisions like the one ARMA has made has allowed him to have a tiny glimpse of hope toward a future with another offer of work and interview in the New Year.

Thank you for your kindness and patience Kelly in listening to me at the start of the call as I was deeply upset.

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.


Banking &

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Contact Us

If you’ve got any questions about your account or just need some more information and advice, you can get in touch with us by filling out the contact form below or by giving us a call on 1300 363 394. One of our team will be in touch as soon as we can to assist resolve your matter.

Request a call back

Disputes and Issues

Find Out More

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

If there’s a problem with your account we’ll do our best to resolve it.

If you’ve got a query about your account or want further information, we’re here to help.

Disclaimer: We always try to stop sending messages to you while you’re waiting for a response from us. If you do receive anything please don’t worry. You don’t need to do anything until we get back to you. Anything you submit through this form will come straight through to our team so we can start working on your request as soon as possible. The details you submit will only be used for the purposes of assisting you resolve your query. Please see our Privacy Policy for more information.

Want To Know More? See Our Frequently Asked Questions.