New Product from Guardian Credit Services
Self-service collections for low-value overdue accounts.
Guardian Recover gives your business a structured and automated way to recover overdue debts without manual chasing. It runs a staged letter sequence using Guardian letterheads, supported by email and SMS touchpoints, with clear dashboard visibility from first notice through escalation decisions.
Delivered by the Guardian Credit Services team.
Low-value debt focused
Guardian letterheads + email + SMS
Escalation-ready
Guardian Recover Flow
Day 1: Initial overdue notice issued
Day 7: Follow-up reminder if unpaid
Day 14: Final notice with escalation warning
Product Snapshot
- Designed for low-value overdue debts
- Self-service debtor upload and case launch
- Automated Guardian letterhead letters, email, and SMS notices
- Staged Day 1, 7, 14, 21 workflow
- Built for low-value overdue debts
- Optional escalation pathways
Product Features
Everything needed to run low-value collections in a controlled flow.
A smarter way to run self-service debt recovery with Guardian support behind it.
Self-Service Debt Upload
Start a case quickly and place overdue accounts into a predefined recovery workflow.
Automated Communications
Guardian letterhead letters, emails, and SMS are issued automatically at each demand stage for timely communication.
Dashboard Monitoring
Track debtor responses and payment outcomes directly from a central dashboard view.
Pause and Complete Controls
If payment or correspondence is received, the process can be paused or completed immediately.
Full Auditability
Every notice, communication, response, and status change is recorded for clear reporting and oversight.
Escalation Handover
Unresolved debts can be progressed to further escalation pathways when required.
Pricing
Transparent pricing for every debt volume.
Start with a one-off debt or choose a subscription plan based on how many debts you need to load each month.
One-Off Plan
NZD $25
Includes 1 debt
Perfect for ad-hoc recovery matters. Launch a single debt through the full automated Guardian letter sequence.
Start One-Off RecoverySubscription Plans
Use the slider to choose a plan matched to your monthly debt volume.
Minimum Plan
NZD $45
3 debts included
Monthly subscription
Choose SubscriptionCollections Flow
How to collect overdue accounts with Guardian Recover.
The flow below reflects the staged process used for low-value debts and follows the Guardian Recover letter sequence, supporting self-service collections.
Day 1
Initial overdue notice
The process begins with a Letter of Demand. Payment is required within 7 days. Debtor responses are monitored on the dashboard.
Day 7
Follow-up reminder
If there is no payment, a follow-up reminder is issued. Payment is required within 7 days.
Day 14
Final notice of demand
If unpaid, a final notice is issued. Payment is required within 7 days and the debtor is advised that escalation may follow.
Day 21+
Choose next action
If still unpaid, select your preferred path: close the matter, move to a default listing pathway where applicable, or refer for formal escalation.
Communication logic in every stage
- Letters, emails, and SMS are triggered together at each notice stage.
- Every action is recorded and visible for internal tracking.
- If payment or correspondence arrives, you can pause or complete immediately.
- Escalation remains available for unresolved matters after the notice cycle.
Client Testimonials
Feedback from businesses using Guardian Recover in production.
"Proven, reliable, no-fuss collections. The platform is straightforward, the process kicks off instantly, and we stay updated the whole way through. No chasing, no surprises, just results. Funds go direct to us, and the job gets done efficiently. We also recommend this to our clients, and so far they have delivered 100% of the time. That track record speaks for itself."
Bookkeeper
"It is a no-brainer. We actively chase multiple debts every week under $125 in value and, with limited options typically available for debts of this value, Guardian Recover has saved the day. We have stopped writing debts off and our debtors are actively paying."
Parking Enforcement
"Switching to Guardian Recover has been a game-changer for our business. The system is incredibly user-friendly, making it easy for our team to manage collections efficiently. Not only does it operate at a fraction of the cost compared with other collection agencies, but we have also seen a significant reduction in debt owed month on month since adopting the service."
GP Practice
"We have used Guardian Recover in our law firm and love it. It gives us the flexibility to control when debtors are contacted while still providing the level of demand needed to show we are serious about recouping debts. We recouped a significant amount after the first or second letter sent."
Law Firm
"We have used Guardian Recover and had strong results across a fair percentage of our bad debts. We find it simple, effective, and affordable compared with other debt collection agencies, and we would happily recommend it to other businesses."
Plumbing Business
FAQ
Questions about launching Guardian Recover.
Launch Guardian Recover
Help your SME recover unpaid invoices faster.
Set up Guardian Recover to send automated demand letters on Guardian letterhead, track debtor responses, and escalate unresolved invoices when needed.