Make a payment
Yes, the letter is real
Here's what to do.
Capricorn Credit Pty Ltd is a Sydney debt collection agency operating since 1993, owned by practising solicitors. If you've received a letter, it references a genuine account. You can pay, propose a payment plan, or raise a dispute using the reference number shown. Nothing here needs a phone call you're dreading. Everything you need to respond is on this page.
IF YOU DO NOTHING
What happens if you ignore the letter?
Nothing happens immediately, but the account doesn't go away. Follow-up contact continues, and if there's still no response, the creditor may instruct legal proceedings, which can add costs to the amount owing. Responding, even just to dispute it, is always the better first move.
FAQs
Frequently asked questions.
Capricorn Credit Pty Ltd is a Sydney debt collection agency operating since 1994, owned by practising solicitors. If you've received a letter, it references a genuine account with a business you've dealt with. Use the reference number on your letter to check your account online.
Capricorn Credit Pty Ltd, ABN 63 656 969 729, is a Sydney debt collection agency established in 1993, owned by practising solicitors. It's a separate business from Capricorn Credit Financial Solutions, a finance broking service of a similar name.
Nothing happens immediately, but the account doesn't go away. Follow-up contact continues, and if there's still no response, the creditor may instruct legal proceedings, which can add costs to the amount owing. Responding, even just to dispute it, is always the better first move.
Yes. Instalment arrangements are standard practice and negotiated every week. Tell us what amount would realistically work for you and we'll confirm a plan.
Tell us in writing, using the reference number on your letter, and explain why you believe the amount is wrong or isn't yours. Collection activity on the disputed amount pauses while it's reviewed.
Yes, but only as a last step and only if negotiation fails. Capricorn Credit is owned by practising solicitors, so legal proceedings can be handled without your file going to an outside firm. You'll have had the chance to pay, arrange a plan, or dispute the debt before that happens.
Possibly. Whether a debt is listed with a credit reporting body depends on the account and how it's progressed. Call Capricorn Credit on (02) 9279 3355 and we'll confirm exactly where your account stands.
