About your debt
Who we are, why we have contacted you, and how to verify a notice is genuine.
Who is Merion?
Merion is an Australian commercial debt recovery firm. Here is a short introduction to who we are and how we work.
Read articleWhy is Merion contacting me?
A business you have dealt with has engaged Merion to help resolve an account they record as outstanding.
Read articleWhy does Merion need to verify my identity?
Verifying who we are speaking with protects your privacy and makes sure account information only reaches you.
Read articleIs Merion a legitimate company?
Yes. Merion Pty Limited is a registered Australian company, and you can verify our details independently.
Read articleWhat happens if I ignore Merion's contact?
Ignoring a notice does not make an account go away — it narrows your options. Here's why responding early helps.
Read articleHow do I know a letter or email is genuinely from Merion?
A few simple checks let you confirm that contact is genuinely from Merion before you respond.
Read articleWill this debt affect my credit?
Merion does not provide credit reporting services. Here's what we can and can't tell you about credit.
Read articleWhat is a letter of demand?
A letter of demand is a formal written request for payment. Here's what it is and why you have received one.
Read articleCan Merion contact me at my workplace?
Workplace contact is sometimes used to reach you, but it is limited and must be handled discreetly.
Read articleHow often will Merion contact me?
Contact about an account is kept reasonable in both timing and frequency — here's what to expect.
Read articleCan I ask Merion to contact me only in writing?
Yes. You can tell us your preferred contact method, including writing only, and we will record it.
Read articleHow do I log in to my account?
You can log in to the Merion portal using your email address or the reference number on your letter.
Read articleHow much do I owe?
The current amount owed is shown on your letter and in the online portal. Here is how to find your balance quickly.
Read articleWhat is the reference number on my letter?
Your reference number is a unique identifier for your account. Quote it every time you contact us or make a payment.
Read articleI received an SMS from Merion. Is it real?
Genuine Merion SMS messages contain your reference number and never ask for card details by text. Here is how to verify.
Read articleHow long do I have to respond?
Your letter will state a response timeframe. Responding quickly keeps more options available to you.
Read articleCan Merion contact my employer?
Workplace contact is restricted to locating you, is kept discreet, and must not disclose the nature of the contact.
Read articleHow often can Merion contact me?
Contact frequency is kept reasonable and within the ACCC/ASIC guideline limits. Here is what to expect.
Read articleWhat is a commercial debt?
A commercial debt is money owed between businesses, usually for goods or services supplied on credit.
Read articleWhat is an ACN or ABN?
An ACN is a company's Australian Company Number; an ABN is its Australian Business Number. Here's why they appear on your debt notice.
Read articleWhy is Merion contacting me?
A business you have dealt with has referred your account to Merion. We are acting on their behalf to help resolve an outstanding amount.
Read articleIs this debt still legally enforceable?
Whether a debt can still be pursued through the courts depends on when it became due. Here is a plain explanation of limitation periods and statute-barred debts.
Read articleCan this debt affect my credit file?
A commercial debt can lead to a default listing on a credit file in certain circumstances. Here is how credit reporting works for business debts.
Read articleWhat does 'overdue' mean on my account?
An overdue balance is the amount that has not been paid by the due date shown on the original invoice. Here is a plain explanation of the terms you may see.
Read articleWho is the original creditor?
The original creditor is the business that supplied goods or services to you and is owed payment. They have referred your account to Merion to help resolve the outstanding amount.
Read articleWhat is a debt notice?
A debt notice is a formal written demand for payment. Here is what it means, what it must contain, and how to respond.
Read articleCan Merion add interest or fees to my debt?
Whether interest or fees can be added depends on what your original contract or terms of trade say. Here is what can and cannot be charged.
Read articleWhat does 'referred to Merion' mean?
Being 'referred to Merion' means the original creditor has engaged us to help recover an outstanding account. Here is what changes for you.
Read articleWhat is a statement of account?
A statement of account is a written record of every transaction on your account. Here is how to read one and how to request it.
Read articleCan my partner or spouse be held responsible for my debt?
Whether a partner or spouse can be held responsible for your debt depends on whether the debt is joint, whether they have guaranteed it, or the trading structure involved.
Read articleWhat if the original creditor no longer exists?
If the original creditor has closed or been wound up, the debt does not automatically disappear. Here is what happens and who to deal with.
Read articleWhat is a judgment debt?
A judgment debt is a debt formally recognised by a court order. Here is what changes once a court has issued a judgment against you.
Read articleWhat is a garnishee order?
A garnishee order is a court order directing a third party to pay money it holds for you directly to the creditor. Here is how it works.
Read articleWhat does 'enforcement' mean?
Enforcement is the stage after a court judgment where the creditor uses legal mechanisms to compel payment. Here is what it involves.
Read articleI received a court document — what should I do?
Receiving a court document about a debt is serious. Do not ignore it — the deadline is real and missing it has consequences.
Read articleWhat is a statutory demand?
A statutory demand is a formal legal notice demanding payment from a company within 21 days, before insolvency proceedings can be commenced.
Read articleWhat is a winding-up application?
A winding-up application is a court application to liquidate a company. Here is what it means and what options a company has to respond.
Read articleWhat happens if I ignore a letter of demand?
Ignoring a formal letter of demand does not make the debt go away — it triggers a predictable escalation path that becomes increasingly costly and difficult to reverse.
Read articleHow long can a debt be pursued in Australia? Limitation periods by state.
Australian limitation laws set a time limit on how long a creditor can sue to recover a debt — but the rules are nuanced and the clock can restart. Here is what you need to know.
Read articleWill this debt affect my credit report?
A debt in recovery may result in a default listing on your credit report. Here is how the Australian credit reporting system works, what a listing means, and how resolving the debt affects it.
Read articleCan a debt collector contact me at home? Hours and frequency rules.
Debt collectors in Australia must follow guidelines on when and how often they can contact you. Here is what the rules say and what to do if contact feels excessive.
Read articleYour rights when dealing with a debt collector in Australia
Australian law and regulatory guidelines give you clear rights when a debt collector contacts you. Knowing these rights helps you respond from a position of confidence.
Read article