About & FAQ
Recovery that holds up.
Blac Blok is an Australian debt collection agency.
We work for businesses that are owed money, and we deal fairly with the people who owe it — because an account that’s collected badly tends to come back as a dispute, a complaint, or a customer you’ve lost for good.
About & FAQ
Recovery that holds up.
Blac Blok is an Australian debt collection agency.
We work for businesses that are owed money, and we deal fairly with the people who owe it — because an account that’s collected badly tends to come back as a dispute, a complaint, or a customer you’ve lost for good.
What we believe
How we approach recovery.
Verify before you chase
Most collection problems start with a debt that was wrong from the beginning — the wrong amount, the wrong person, already paid, or too old to enforce. We check first. If an account shouldn’t be pursued, we tell the creditor and close it.
Pressure isn’t a strategy
Harassment doesn’t produce money; it produces complaints and regulator interest. A clear explanation and a workable arrangement recover more, more often, and keep the creditor’s name intact.
Everything on the record
Every contact, request, dispute and payment is logged. Creditors get a proper account of what happened. So does anyone who asks us about their own file.
Our fees
Our fees depend on the age, size and type of the debt. Contact us and we’ll discuss the terms that apply to your accounts before you refer anything to us.
Verify before you chase
Most collection problems start with a debt that was wrong from the beginning — the wrong amount, the wrong person, already paid, or too old to enforce. We check first. If an account shouldn’t be pursued, we tell the creditor and close it.
Pressure isn’t a strategy
Harassment doesn’t produce money; it produces complaints and regulator interest. A clear explanation and a workable arrangement recover more, more often, and keep the creditor’s name intact.
Everything on the record
Every contact, request, dispute and payment is logged. Creditors get a proper account of what happened. So does anyone who asks us about their own file.
Our fees
Our fees depend on the age, size and type of the debt. Contact us and we’ll discuss the terms that apply to your accounts before you refer anything to us.
Answers to common questions.
Questions from people we’ve contacted
Who is Blac Blok and why are you contacting me?
We’re a debt collection agency. A business you dealt with says an account with them is unpaid and has asked us to collect it, or has sold the debt to us. Our letter names the original creditor and gives a reference number. If you don’t recognise the debt, ask us to prove it.
How do I know this is a real debt and not a scam?
Never pay based on a phone call alone. Ask for our letter, the original creditor’s name and the reference number, then call us on the number published on this website rather than a number given to you. We’ll never ask for gift cards, cryptocurrency or payment to a personal account.
Can you make me pay?
Not by ourselves. We can ask you to pay and explain what the creditor may do next. Only a court can order you to pay, and only after proceedings where you get to respond. Anyone who tells you otherwise is misleading you.
Will this affect my credit report?
It depends on the type of debt and who the creditor is. Not every business is allowed to report defaults, and there are rules about notice, minimum amounts and how overdue the debt must be. Ask us directly about your account and we’ll tell you the position.
What if I can’t afford to pay right now?
Tell us. We can look at smaller instalments, a pause, or putting the account on hold while you get advice. Ring the free National Debt Helpline on 1800 007 007 if you’d like independent help — we’ll deal with a financial counsellor on your behalf if you nominate one.
The debt is really old. Do I still have to pay it?
Debts can become statute-barred, meaning they can no longer be recovered through the courts — generally six years after the debt fell due or your last payment or written acknowledgement, and three years in the Northern Territory. Tell us if you think that applies and we’ll check it before doing anything else.
I’ve already paid this. What now?
Send us whatever proof you have — a receipt, bank statement line, or confirmation email. We’ll pause the account, check it with the creditor, and confirm the outcome in writing.
Can you contact my family, my employer or my neighbours?
We can only contact a third party to find your contact details, and we can’t disclose that you owe a debt while doing it. We won’t discuss your account with anyone who isn’t you or someone you’ve authorised.
How often will you contact me?
Within the limits in the ACCC and ASIC debt collection guideline. If you’ve given us an arrangement or asked for written contact only, we work to that instead.
Can I deal with someone else on my behalf?
Yes. Nominate a financial counsellor, lawyer, family member or support person in writing and we’ll deal with them. You can also ask for an interpreter.
Answers to common questions.
Questions from businesses
What do you need from me to start?
The contract or trading terms, the invoices, a payment history, the debtor’s details, and the date of the last payment. The referral form asks for all of it.
What does it cost?
It depends on the age, size and type of the debt. Contact us and we’ll talk through the terms that would apply to your accounts. Any legal costs are separate and are always approved by you first.
How long does recovery take?
Straightforward accounts often resolve in 30 to 60 days. Disputed debts, debtors who can’t be located, and matters that need court proceedings take longer. We’ll give you a realistic view once we’ve verified the file.
What if the debtor disputes the debt?
We pause collection, ask you for the evidence, and assess it. A genuine dispute usually needs to be resolved between you and the customer, or through a court — we’ll tell you plainly which it is rather than pressing on regardless.
Do you take debts that are already statute-barred?
We check the limitation position on every file. If a debt is out of time we’ll tell you and explain the options. We won’t represent that a statute-barred debt is legally enforceable.
Do you take consumer debts as well as business ones?
Yes, and consumer accounts carry extra obligations — hardship, credit reporting rules and, for regulated credit, the National Credit Code. We apply those as a matter of course.
When do I get paid what you collect?
Funds are held in a separate trust account and remitted to you on the cycle set out in your client agreement, with a statement showing each payment received and any amounts deducted.
Can you take legal action for me?
We’re not a law firm. Where a matter needs proceedings, we’ll recommend it, brief solicitors with your approval, and manage the file alongside them.
Need help with a debt matter?
Whether you’re a business looking to recover unpaid accounts or someone who has been contacted by us, get in touch and we’ll explain the next step clearly.