Unpaid accounts impact cash flow and take valuable time away from your business. CCMS provides professional, proactive debt recovery services designed to recover outstanding accounts quickly and cost effectively, while protecting your client relationships and reputation.
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CCMS provides specialist debt recovery services to Local Government across a broad range of accounts, including rates arrears, sundry debtors and infringements. Our experienced account managers provide consistent, proactive recovery action tailored to each council’s requirements, with a strong focus on maximising recovery while maintaining professional community relationships.
Learn MoreWith over 100 years of cumulative industry experience, CCMS provides a comprehensive range of debt recovery and credit management services to businesses across Australia. Our experienced team provides personalised account management and practical recovery strategies focused on achieving the best commercial outcome.

Complete Credit Management Services is proudly based in Bendigo, Victoria, providing professional debt recovery and credit management services to businesses across Australia. Our Bendigo location allows us to provide the personal service and accountability of a boutique agency while managing significant commercial portfolios and complex recovery matters nationally.
Personal service remains at the heart of how we operate. Our clients deal with experienced account managers who understand their business, their accounts and their recovery expectations. We combine this personal approach with modern technology, national recovery capability and access to experienced external legal partners when legal action is required.




With over 100 years of cumulative industry experience, CCMS combines personalised account management with the resources and experience to recover debts Australia wide. Where legal action is required, our external legal partners can conduct proceedings in all Australian states and territories. Our clients receive experienced, proactive service with a clear focus on achieving cost-effective commercial outcomes.