The Art of Gentle Persuasion

Debt Collecting by Cosmos Business Services

As the famous Benjamin Franklin once said, “Creditors have better memories than debtors.” In the business world, this adage rings truer than ever. Outstanding debts can put a stranglehold on your cash flow, making it difficult to grow or even maintain your business. This is where Cosmos Business Services steps in with our specialised Debt Collecting services.

Not Just Another Collection Agency

First things first, let’s clear the air: we are not your typical debt collection agency. Our approach is rooted in understanding, empathy, and effective communication. We focus on resolutions that are mutually beneficial, not just for your business, but also for your customers.

The Initial Approach

The first step in debt collecting is often the most crucial. Our team sends out professionally crafted letters or makes initial calls that serve as gentle reminders. This tactful approach has a proven track record of nudging the debtor towards compliance without leaving a bad taste in their mouth.

Maintaining Relationships

Our aim is not just to collect outstanding payments, but also to maintain or even improve your business relationships. A heavy-handed approach can result in lost customers, something that no business wants. We employ techniques that focus on dialogue and negotiation, reducing friction and fostering a positive interaction.

Flexibility and Customization

Every debt situation is different, and a one-size-fits-all approach simply doesn’t work. Whether it’s adjusting the payment timeline or negotiating partial payments, our flexible approach ensures that your specific needs and circumstances are always taken into account.

Legalities and Ethics

We strictly adhere to the Commerce Commission New Zealand guidelines when representing your business, ensuring that all our procedures are legal, ethical, and respectful. Our commitment to these standards has made us one of the most reliable names in the debt collecting sector.


Ultimately, our goal is to ensure your financial health without jeopardising your customer relationships. When you opt for Cosmos Business Services for your debt collecting needs, you’re not just choosing a service. You’re choosing a partner committed to your business’s overall wellbeing.


Debt collecting is more than just getting your money back—it’s about sustaining healthy business relationships and maintaining a strong brand image. If you’re facing challenges with overdue debtors and looking for an approach that benefits everyone involved, look no further than Cosmos Business Services.