About

ABOUT MURRAY COLLINS

Getting paid isn’t always about chasing harder.

We take a people-centred, behaviour-led approach to B2B credit management and debt recovery, helping you get paid while taking the time and hassle of chasing payments off your hands.

A DIFFERENT WAY TO GET PAID

Different reasons.
Different behaviours.
Different approach.

Someone who’s forgotten an invoice doesn’t need the same approach as someone with a genuine cash-flow problem.

And someone avoiding calls or repeatedly breaking payment promises needs a different approach again.

So rather than simply chasing harder, we look at why payment hasn’t happened and how the customer is behaving.

That helps us choose the right next step, keep things moving and focus on what is most likely to get you paid.

Businesses don’t answer phones, make promises or decide when an invoice gets paid.

People do.

People forget. They delay. They avoid difficult conversations. They make promises. Sometimes they keep them. Sometimes they don’t.

Understanding that behaviour helps us know when to talk, when to negotiate, when to follow up and when it’s time to escalate.

B2B IS STILL PEOPLE

Understand the behaviour.
Choose the right response.

THE THINKING BEHIND THE APPROACH

Debt recovery is about money. Getting it recovered is often about behaviour.

Our approach brings together behavioural science, organisational psychology and economics to understand more than simply how long an invoice has been overdue.

Behavioural Science

Helps us understand how people respond to reminders, deadlines, commitments and consequences, so we can adapt the approach when behaviour changes.

Organisational Psychology

Helps us understand the people behind the business, how decisions get made and why an unpaid invoice can sometimes be a people problem too.

Economics

Keeps the commercial picture in view, including cash flow, incentives, credit risk and the decisions businesses make when money is tight.

RECOVER TODAY. LEARN FOR TOMORROW.

Don’t just recover the money.
Learn from it.

Every overdue account tells you something about how that customer pays.

Do they pay late? Keep payment promises? Respond better by phone? Only pay when things are escalated?

We capture those patterns and turn them into simple, useful insight you can actually use.

So you don’t just get your money back. You understand your customers better, spot potential problems earlier and make better decisions in future.