Honorarverlust durch falsch oder unvollständig übernommene Forderungen

Definition

Agencies typically earn fees as a percentage of recovered amounts or via fixed fees per successful collection, relying on creditor‑supplied balances and terms captured at file intake.[3][5] Where onboarding and validation are manual, several revenue‑leakage mechanisms occur: (1) balances imported without contractual interest or late fees, leading to collection of principal only; (2) duplicate or already‑paid accounts included in files, causing write‑offs and wasted effort when discovered; (3) inclusion of statute‑barred or otherwise legally uncollectable debts (e.g. outside limitation periods), which must be withdrawn when identified, generating no revenue; and (4) mis‑coding of portfolios or fee arrangements, resulting in commissions being calculated at lower rates than agreed. Australian legal guidance stresses the need to avoid misleading representations about the amount owed and to recognise where debts are unenforceable, which requires accurate onboarding and legal screening.[7] If a mid‑sized agency manages AUD 30 million in annual placements and typically recovers 40% (AUD 12 million) at an average commission of 20% (AUD 2.4 million revenue), a 2–5% revenue leakage from onboarding errors translates into AUD 48,000–120,000 per year in foregone fees. This is conservative, as it ignores the labour cost of working uncollectable files. By systematically validating contractual terms, limitation periods, and fee schemes at intake, agencies can prevent these losses and potentially renegotiate or exclude problematic accounts before expending effort.

Why This Matters

The Pitch: Australian 🇦🇺 collection agencies routinely leave 2–5 % an Gebühren auf dem Tisch because onboarding errors (wrong balance, missing interest/fees, uncollectable or time‑barred debts) are not detected early. Automated rules to validate balances, apply correct interest and flag statute‑barred or disputed accounts can recover hundreds of thousands of AUD in lost revenue.

Affected Stakeholders

CFO, Head of Collections, Revenue/Commercial Manager, Client Relationship Manager, Legal/Compliance Manager

Related Business Risks