How to Provide the Right Documentation

The core documents

A recoverable debt is much easier to pursue when you can show what was owed and why. The most useful documents are the unpaid invoices, your terms of trade or the agreement the debtor accepted, and any proof the goods or services were delivered, such as a signed docket, delivery note or completion sign-off.

Build your documentation pack

1. Gather every unpaid invoice and put them in date order.
2. Add the credit application, terms of trade or contract.
3. Include purchase orders, quotes and any written acceptance.
4. Attach proof of delivery or completion of work.
5. Add the trail of reminders, statements and any payment promises.
6. Note any part-payments and the resulting balance.

Label each file clearly so the story reads in order.

When documents are missing

Original paperwork is not always to hand. If an invoice is lost, a reissued copy from your accounting system is usually fine. If there was no written contract, your terms of trade, emails and order history can still establish the arrangement. Provide what you have and flag the gaps. You can attach everything when you refer at merion.com.au/refer-a-debt, or request a free debt appraisal first.