Frequently Asked Questions

Ardent Credit Services is a debt collection company that helps people manage and resolve outstanding balances. We’re here to help you understand your options and find a path forward that works for your situation. We’re part of PCA Global Ventures, a family of companies dedicated to treating every person with respect.

You’re receiving communication from Ardent because you have an unresolved balance with a company that has requested our help as a debt collector. The outstanding balance could be with a utility company, financial institution, or another business. Our job is to help you understand your options for resolving this balance. We’re here to help you find a solution.

We can help you in several ways. First, we can explain exactly what balance you have and who it’s with. Second, we can discuss your options, whether that means paying in full, setting up a payment plan that fits your budget, or working towards a solution if you’re experiencing financial hardship. We have flexible options designed to work with your circumstances, not against them.

You have several options. You can pay your balance in full if you’re able. If that’s not possible, we offer flexible payment plans that let you pay over time in amounts that fit your budget. Most people set up a payment plan online in just a few minutes. If you’re experiencing financial hardship, please let us know. We have options for difficult situations and want to find something that works for you.

We understand that financial situations can be difficult. If you’re experiencing hardship, please reach out to us. We have options designed for people facing financial challenges, and we’re committed to working with you to find a solution. Our goal is to help you move forward in a way that works for your situation.

If you miss a payment on an agreed plan, please contact us as soon as you can so we can discuss options. Life happens, and we understand that circumstances change. We’d much rather work with you to adjust your plan than have you stop communicating with us. We’re here to help.

You have important rights under Australian law. You can find more information here: Australian Securities & Investments Commission

If you believe a balance is incorrect or isn’t yours, you have the right to dispute it. You can submit a dispute through our online portal, by email, or by mail. Once we receive your dispute, we’ll investigate and provide you with verification of the debt. While we’re investigating, we won’t take any further collection action on the disputed amount. We want to make sure everything is accurate. Contact Us

While many people prefer to manage their account online, we understand that sometimes you need to talk to a real person. Our support team is available by phone. Call us at 1800 418 394. We’re here to listen and help.