The AR Practitioner's Playbook
SMS and Voice in Debt Collection Software: Channel Rules Australian AR Teams Should Follow
24 October 2026 · 6 min read · For Accounts receivable teams, finance managers and controllers
SMS gets read and voice gets answered, which is exactly why both need tighter rules than email. Used carelessly inside debt collection software, they are the fastest route to a complaint.
Messaging law basics
The Spam Act 2003 governs commercial electronic messages. Have your own adviser confirm how it applies to your collection messages before you scale a campaign.
- Identify the sender in every message
- Rely on lawful consent, including business implied consent where it applies
- Provide a simple, working unsubscribe path
- Keep frequency restrained and documented
Voice-specific practice
Call only within reasonable hours, confirm identity before discussing the debt, never discuss it with a third party, and record and log the outcome. If an AI voice agent places the call, disclose that clearly and make a human path obvious.
Sequencing channels
Escalate channel intensity slowly: email, then SMS, then voice. Running all three in a day reads as pressure, not diligence.
Where Chasyr fits
Chasyr enforces contact hours, frequency caps and sender identification at the channel layer, and every voice and SMS interaction is logged against the account.
SMS and voice work because they interrupt. Configure them in your debt collection software so they interrupt once, politely, and with a way out.
Part of Debt Collection Software for Accounts Teams: The Practitioner's Playbook.
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This article is general information only and is not legal, financial, tax or accounting advice. Regulatory references are described as alignment objectives, not certifications or endorsements. Obtain advice from a qualified lawyer or accountant before acting. Chasyr is in closed alpha with a public launch targeted for Q4 2026.