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Credit Management


Cash Flow Management System

The Cash Flow Management System is a low cost and effective way of communicating with slow paying accounts and returning them to current status. The System is an extension of your own internal credit department for customers who just need that little nudge.

DAY 1 Soft Reminder Letter
The ARMS Group requests accounts in a firm but friendly manner to pay clients.
DAY 14 Second Reminder Letter
We request accounts to pay clients in a firmer manner than the first letter. They are informed that this is the second request from The ARMS Group.
DAY 28 Third Reminder Letter and Telephone Contact
We notify accounts by letter and phone to pay clients immediately otherwise we will advise further action that may include litigation.
NEXT Remaining unpaid accounts are genuine bad debts. They have not responded to three requests for settlement. These accounts require concentrated action.

Accounts over $AU100 are automatically transferred to The ARMS Group Collection System for actioning by Trained Collection Staff at normal commission rates.
Returned Returned Mail Accounts are transferred to our Collection System for skip tracing and attract our normal commission charges.
Costs Use of The Cash Flow Management System requires purchase of collection coupons. Coupons are sold in booklets of 25, 50, and 100 and are paid for in advance.

  Cost Per Coupon
Number of Coupons Commercial accounts Consumer accounts
Booklet of 25 Coupons $25.00 $17.00
Booklet of 50 Coupons $23.00 $16.00
Booklet of 100+ Coupons $20.00 $15.00
Prices are subject to change without notice. Prices exclusive of GST.

The Cash Flow Management System does not cover:

  • Collection of genuine Bad Debts or location of Missing Clients. These accounts should be sent directly to The ARMS Group Debt Collection System.
  • Resolution of disputed accounts based on services/products provided.



ARMS debt collection agency specialise in debt collection and debt recovery.  Contact our debt collectors online.
Online Debt Payment - If you have received a letter from us then you can pay the overdue account online here.
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