Enforce security and recover your debt or asset

We will help you enforce your security interest and recover what you are owed as a secured lender.

As a secured lender, you have rights that unsecured creditors do not. But those rights are only as good as the documents that create them, the registration that perfects them, and the enforcement process that activates them correctly. A security interest that has not been registered properly, or that is enforced without following the required steps, can expose you to counterclaims and reduce what you recover — or eliminate your priority entirely. We manage the enforcement from the moment of default to the moment of recovery.

What is security enforcement and why does it matter?

Security enforcement is the legal process of exercising your rights as a secured creditor to take possession of and realise security when a borrower defaults. Whether your security is a registered charge, a mortgage, or a personal property security interest, the enforcement process must follow strict legal requirements. Errors can expose you to liability and delay recovery.

What do I need to do to enforce my security after a default?

The enforcement process depends on the type of security you hold, whether it is correctly registered on the PPSR, and the terms of your security agreement. We review your documents, confirm the correct enforcement steps, and manage the entire process to protect your recovery and your legal position.

What is the PPSR and why does it matter for enforcement?

The Personal Property Securities Register (PPSR) is a public register of security interests in personal property. If your security interest is not registered, or is registered incorrectly, you may lose priority to other creditors or be unable to enforce your rights. We check your registration as the first step in any enforcement matter.

What happens if I enforce my security incorrectly?

Incorrect enforcement can expose you to counterclaims from the borrower, reduce the amount you recover, and in some cases result in liability for damages. We manage the process strictly in accordance with your legal rights to eliminate this risk.

How long does the security enforcement process take?

Timelines depend on the type of security, the value of the asset, and whether the borrower disputes the enforcement. We advise on realistic timeframes from the first call and work to recover your asset or debt as efficiently as the process allows.

Your security interest is enforced correctly, protecting you from borrower counterclaims.

Your asset is recovered or your debt is realised through a proper enforcement process.

Your exposure to liability from improper enforcement is eliminated.

Your borrower has defaulted. What happens next?

The enforcement process for secured lending has strict procedural requirements that must be followed correctly. Let us walk you through what your security covers, what steps are required, and how to protect your recovery.

Your borrower has defaulted. Enforce your security.

Your borrower has defaulted and you need to act before your security position deteriorates further. But the enforcement process is technical, the consequences of getting it wrong are serious, and you need someone who can move quickly and correctly — not someone who will slow you down with caution when speed matters.

We will review your security documents and advise on the scope and priority of your security interest.
We will ensure your security is correctly registered on the PPSR where required.
We will issue the required default and enforcement notices to the borrower.
We will manage the possession and realisation of the secured asset.
We will advise on any shortfall and pursue recovery of the balance if the asset does not cover the full debt.

You have security. Now enforce it.

You lent money or provided credit secured against a specific asset — a vehicle, equipment, property, or a general security over a business. The borrower has stopped paying and is not engaging. You have security on paper, but you need to know whether it was registered correctly, whether your enforcement rights have crystallised, and what the right sequence of steps is to take possession and realise the asset before its value erodes further.

What's included in your security enforcement service

Review of your security documents and assessment of your priority position.
PPSR registration review and correction where required.
Preparation and service of default and enforcement notices.
Management of asset possession, appointment of receivers, or voluntary surrender process.
Oversight of asset realisation or sale process.
Advice on recovery of any shortfall debt.

What happens if you enforce your security incorrectly

The window between default and asset recovery is when secured lenders are most vulnerable. A borrower who knows enforcement is coming has time to dissipate assets, dispute your security, or commence their own proceedings to freeze your enforcement action. PPSR registration errors — even minor ones — can destroy priority, turning a secured claim into an unsecured one. Incorrect enforcement notices, wrong sequencing, or a realisation process that fails to meet statutory requirements can expose you to claims from the borrower that wipe out your recovery. The security you hold is only as strong as the enforcement process you follow.

Here is how we put you back in control

We take over the enforcement from the moment you engage us. We review your security documents and PPSR registration for any defects that need to be addressed before you move, confirm your enforcement rights have crystallised, and prepare every notice and step in the correct sequence. We deal with the borrower, manage any disputes, and conduct the realisation process in a way that maximises what you recover and eliminates your exposure to counterclaims. You get your capital back. We carry the process.

Our security enforcement process

Three steps to recovering your asset or debt.

Review and advise

We review your security documents and PPSR registration, confirm the scope of your rights, and advise on the correct enforcement procedure for your situation.

Issue notices and enforce

We prepare and serve the required default and enforcement notices, manage possession or receivership, and oversee the asset realisation process.

Realise and recover

We manage the sale or disposal of the secured asset and advise on recovery of any shortfall from the borrower.

Experienced secured lending lawyers ready to guide you

We understand how stressful it is to watch a borrower default while your capital sits locked in an asset you cannot access. Our lawyers have managed enforcement action across a wide range of asset classes — from PPSR-registered equipment and vehicles to complex business security arrangements — and we know how to move quickly without cutting corners. Speed matters in enforcement. So does precision. We deliver both.

We understand you want to know the cost, before we get started.

We will map out our process, from beginning to end, so you know what the journey will look like before you get started.

We will provide you with a clear and detailed Work Proposal covering each step along the way.

Our fair fees are all-inclusive. No hidden costs for telephone calls, emails, photocopying, couriers, or coffee.

Our great lawyer guarantee

We want to be part of your team over the long term. We achieve this by adhering to these core principles:

Take the time

We listen carefully to understand what you want to achieve. Then we thoroughly explain our advice and step you through the documents. You can be sure you know the full consequences.

Share our knowledge

We will pass on as much knowledge as we can, so you can make your own informed decisions. We want to make you truly independent.

Stick to our knitting

We only do what we're good at. You can be confident that we know what we're doing and don't pass on the cost of our learning.

Work as one team

Someone will always be available to answer your questions, or point you in the right direction. You will also benefit from a range of perspectives and experience.

Fair pricing

For advice and documents, we provide a fixed or capped quote so you don't take price risk. If you're in a dispute, we map out the process and costs so you know what to expect.

It's your show

We're not in this for our egos. We're in it for a front row seat to witness your success.

Ready to enforce your security?

Book a call today and we will review your security position, advise on the correct enforcement process, and manage the recovery of your asset or debt.

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