Directory
46 checked resources, one page.
Official and genuinely useful Australian sources. Every link was checked in October 2026. Listing is not endorsement.
Start here (federal)
What to do when you have not been paidThe government's step by step guide to recovering money you are owed.business.gov.auPayment termsHow to set clear payment terms so you get paid on time.business.gov.auWrite a letter of demandWhat a letter of demand is and a checklist before you send one.business.gov.auDebt collection servicesHow collection agencies work and what they typically charge.business.gov.auPayments and invoicing hubInvoicing, eInvoicing, receipts and payment methods.business.gov.auAustralian Small Business and Family Enterprise OmbudsmanFederal help resolving disputes with other businesses.www.asbfeo.gov.auASBFEO resources and toolsGuides and tools for small business owners.www.asbfeo.gov.auPayment Times Reporting SchemeSee how quickly large businesses say they pay small suppliers.paymenttimes.gov.au
Check who you are dealing with
Rules for collecting debts
ACCC and ASIC debt collection guideline (ASIC RG 96)The joint guideline on fair debt collection for creditors and collectors.www.asic.gov.auACCC: debt collection rulesWhat is and is not allowed, including contact hours and frequency.www.accc.gov.auACCC: guideline on debt collectionACCC publication page for the joint guideline.www.accc.gov.auACCC: contracts and unfair contract termsUnfair terms in standard form contracts, including small business protections.www.accc.gov.auOAIC: credit reportingPrivacy rules around credit information and reporting.www.oaic.gov.au
Tax: GST and bad debts (ATO)
Deductions for unrecoverable income (bad debts)When and how you can write off a bad debt, including GST.www.ato.gov.auGST adjustments, including bad debtsClaiming back GST on debts written off or 12 months overdue.www.ato.gov.auBusiness activity statements (BAS)Where GST adjustments are reported.www.ato.gov.au
Insolvency (high level)
AFSA: owed moneyOptions when an individual owes you money, including bankruptcy.www.afsa.gov.auAFSA: your rights as a creditor in a bankruptcyWhat changes when your debtor goes bankrupt.www.afsa.gov.auAFSA: make someone bankruptThe creditor's petition process for debts of $10,000 or more.www.afsa.gov.auASIC: insolvency information for creditorsWhat to do when a company that owes you goes into administration or liquidation.www.asic.gov.au
Fair Trading by state
NSW Fair TradingNew South Wales consumer and business regulator.www.nsw.gov.auConsumer Affairs VictoriaVictorian consumer and trader information.www.consumer.vic.gov.auOffice of Fair Trading QueenslandQueensland fair trading services.www.justice.qld.gov.auConsumer Protection WAWestern Australian consumer protection.www.consumerprotection.wa.gov.auConsumer and Business Services SASouth Australian consumer and business regulator.www.cbs.sa.gov.auCBOS TasmaniaConsumer, Building and Occupational Services Tasmania.www.cbos.tas.gov.auAccess CanberraACT fair trading and business services.www.accesscanberra.act.gov.auNT Consumer AffairsNorthern Territory consumer and business guidance.consumeraffairs.nt.gov.au
Small business commissioners and tribunals
NSW Small Business CommissionerLow cost dispute resolution for NSW businesses.www.smallbusiness.nsw.gov.auVictorian Small Business CommissionMediation for Victorian business disputes.www.vsbc.vic.gov.auQueensland Small Business CommissionerDispute help for Queensland small businesses.www.qsbc.qld.gov.auSmall Business Development Corporation WAAdvice and dispute resolution in WA.www.smallbusiness.wa.gov.auBusiness VictoriaVictorian government business help, including invoice templates.business.vic.gov.auNCAT (NSW)NSW Civil and Administrative Tribunal.ncat.nsw.gov.auVCAT (Victoria)Victorian Civil and Administrative Tribunal.www.vcat.vic.gov.auQCAT (Queensland)Queensland Civil and Administrative Tribunal, including minor debt claims.www.qcat.qld.gov.au
Industry bodies
Australian Institute of Credit ManagementThe professional body for credit managers.www.aicm.com.auACDBAAustralian Collectors and Debt Buyers Association.www.acdba.comARITARestructuring, insolvency and turnaround professionals.www.arita.com.auInstitute of Certified BookkeepersFind a certified bookkeeper to help run your receivables.www.icb.org.auLaw Council of AustraliaPeak body for the legal profession, with links to state law societies.lawcouncil.au
Invoice finance explained (educational)
Australian Finance Industry AssociationIndustry body covering invoice finance and other business lending.www.afia.asn.auMoneysmartASIC's independent guidance on money and credit.moneysmart.gov.auASIC: small business learning resourcesASIC guidance for small business owners and directors.www.asic.gov.au
Invoice finance and factoring links are educational only. We do not recommend any provider. Compare costs and read the terms carefully, and consider getting independent advice.