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Christine Christian was appointed CEO of D&B Australia and New Zealand in 2001 after leading the management buy-out of these operations from D&B global company. In this role, Christine has more than doubled the market value of D&B. In 2007 Christine managed the competitive sale process of D&B Australasia from AMP Capital to Lazard Carnegie Whylie.

What can I do about a default on my credit file?

Author: Christine Christian on 14 September 2009

After a divorce my ex incurred a debt with a major telco. When they couldn't find her they came after me, with a note on my credit file. I helped them get their money and was promised that the mark on my file would be removed once the debt was cleared.

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Will a company's credit rating be adversely affected if a debt collection agency was called in?
Author: Christine Christian on 10 September 2009

Will a company's credit rating be adversely affected if a debt collection agency was called in to recover outstanding money?

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Should the account manager or accounts receivable follow up late payments?
Author: Christine Christian on 21 July 2009

Should the account manager or a separate accounts receivable person follow up late payment in order to protect the business relationship?

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What do you do with customers that say their payment terms are 45 days?
Author: Christine Christian on 29 June 2009

Avoiding bad debts and cash flow difficulties requires preparation. Implementing the following procedures in your business can help to ensure that you avoid the burden of bad payers:

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How many times should you contact late payers before going to a debt collector?
Author: Christine Christian on 12 June 2009

Every client is different and consequently it is difficult to apply a set number of contacts that should be made before a debt is referred to a collections agency for further action. Rather than thinking about how many times a debtor has been contacted it is often useful to consider whether the process that has been used is effective.

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Can directors be made personally liable for a business's debt?
Author: Christine Christian on 8 May 2009

What options are available in terms of up-front guarantees or making the directors personally liable for the entity's debt in the event of failure of a company?

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What are the issues with charging a penalty fee or interest on late payments?
Author: Christine Christian on 30 April 2009

Improving payments terms is undoubtedly a beneficial move for businesses in the current economic climate.

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A debtor says they have no money. What do I do?
Author: Christine Christian on 24 April 2009

What would be your advice if you had a debtor that says they have no money to pay your account?

The first thing you must consider is the size of the debt. The options you have to pursue the debt will cost you money and therefore you must decide whether it is worth pursuing. If you determine that recouping the funds is a priority, a reputable debt collection agency will be able to assist you.

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