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Chapter 16 - Debt recovery. At the end of this chapter you should understand: the steps that should be taken before deciding to grant credit to an applicant, the steps used to encourage punctual payment of debts, the steps in the debt collection process, the matters that should be considered before commencing legal proceedings,. | This is the prescribed textbook for your course. Available NOW at your campus bookstore! 16- Copyright © 2000 McGraw-Hill Australia Debt recovery Chapter 16 16- Copyright © 2000 McGraw-Hill Australia Definitions Debtors: Those people who owe money to others. Creditors: Those people who are owed money. 16- Copyright © 2000 McGraw-Hill Australia Creditworthiness check Proof of identity of applicant - Name - Address - Assets and liabilities - Employment status If company: - Name of Directors - Address of Directors - Paid-up capital of company Credit references Confirm ownership of property 16- Copyright © 2000 McGraw-Hill Australia Credit policy Credit policy should be notified to debtor. e.g. When payment is due Acceptable methods of payment Interest charges for late payments 16- Copyright © 2000 McGraw-Hill Australia Punctual payment Incentives to encourage punctual payment of debts: Discount for early payment Credit charge for late payment Notification of overdue accounts - account rendered sent - personal phone call 16- Copyright © 2000 McGraw-Hill Australia Debt collection process ACCOUNT RENDERED (for unpaid account) LETTER OF DEMAND Details of debt Date debt incurred Debt Collection Specify date payment to be made Agency Specify legal proceedings will result PAYMENT Negotiation or LEGAL MADE Mediation or PROCEEDINGS Arbitration COURT ISSUES SUMMONS AFFIDAVIT OF SERVICE OF Particulars of claim: SERVICE SUMMONS Names - plaintiff and defendant Proof of service Given to Addresses - plaintiff and defendant of Summons Defendant Details plaintiff’s claim 16- Copyright © 2000 McGraw-Hill Australia Defendant - possible responses Service of Summons Agrees to Pay Agrees to Pay Through in Lump Sum in instalments Court Dispute Claim via Judgement Against Filing Defence Defendant (Judgement in Default) For Defendant For Plaintiff Judgement Finish Plaintiff - Judgement Creditor Defendant - Judgement Debtor 16- Copyright | This is the prescribed textbook for your course. Available NOW at your campus bookstore! 16- Copyright © 2000 McGraw-Hill Australia Debt recovery Chapter 16 16- Copyright © 2000 McGraw-Hill Australia Definitions Debtors: Those people who owe money to others. Creditors: Those people who are owed money. 16- Copyright © 2000 McGraw-Hill Australia Creditworthiness check Proof of identity of applicant - Name - Address - Assets and liabilities - Employment status If company: - Name of Directors - Address of Directors - Paid-up capital of company Credit references Confirm ownership of property 16- Copyright © 2000 McGraw-Hill Australia Credit policy Credit policy should be notified to debtor. e.g. When payment is due Acceptable methods of payment Interest charges for late payments 16- Copyright © 2000 McGraw-Hill Australia Punctual payment Incentives to encourage punctual payment of debts: Discount for early payment Credit charge for late payment Notification of .