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Credit Recovery

Melati Panorama Sdn Bhd is a professional & registered Credit Collection 

Agency, we can recover money owed to you by other businesses quickly.

Our years of experience in the credit recovery industry make us the

perfect Credit Collection Agency to recover your bad debts all on a

‘NO WIN NO FEE’ basis.

Credit Recovery's agency is specializing in collecting commercial &

professional service claims. Persuasiveness, persistence and professionalism are the standards our collectors and attorneys pride themselves on. These are the secrets to our high success rate & unusually high level of client satisfaction.

Our persuasiveness, persistence & professionalism provide you with the following tangible benefits.

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To continuously strive to be the first choice for professional credit recovery services in Malaysia, by developing beneficial and lasting relationships with our client satisfaction through a process of continues improvement and optimizing their returns by delivering the most efficient and more effective.



To be the market leader for commercial credit recovery services in Malaysia, by combining our wealth of experience and innovative technology.

To provide the highest level of credit management and collections services in a friendly, professional manner to encourage maximum recoveries and total support to our clients need.

To increase the acknowledge and ability of the management team to manage and control their financial well-being to provide sound financial management in order to maintain earnings for our continued growth and to provide our employees with a challenging and rewarding career


Credit Recovery is a commercial collections agency, which means we only work on B2B credit collection. We collect from corporations, LLC’s, partnerships and proprietorships. We also collect against individuals who are personally liable for business debt, which can happen if they signed a personal guaranty, own a proprietorship, let the corporation status expire, or commit fraud. Our focus solely on commercial collections is one factor leading to our 85% success rate.



We handle claims of all sizes, from RM100 to RM1 million. The average size of claims must be at least RM4,000. We have unrivaled expertise in large claims.

Melati Panorama personally handles all large claims. We have 15 years of business and negotiation experience, closing over RM20 million of transactions all over the world (traveled to 20 countries). We is recognized as an expert in the credit collection industry as a frequent presenter at credit management conferences and published author in industry periodicals

Law Firm

If our collection agency efforts have not achieved the desired results, accounts are then ‘placed’ with our in-house law firm. A complete debt collection effort is made under the name of the law firm which creates significant additional pressure on the debtor, and this unique feature of our agency has proven to be a valuable tool in our collection process. There is no increased cost for our clients for use of these services – the contingency rate is the same as if we collected under our agency name. Our in house law firm also manages attorney forwarding and litigation matters.

Background Investigation

This means developing an understanding of the debtor – the business itself, the ownership, and its employees. We seek to determine how large they are, how long they have been in business, and how the business is performing. We will also investigate the background of owners, managers and employees as appropriate. The debt collector uses this information to develop a strategy and in negotiations with the debtor.

Skip Tracing

Sometimes companies just seem to disappear. We do extensive research to either confirm they are no longer operating or to find them at a new location, operating under different names or with different contact information. We also track down owners, either because they have personal liability for the business debt or to confirm the business is closed. Our research techniques may include finding and contacting relatives, neighbors and landlords as well as simply finding working phone numbers and home addresses for the person of interest.

Credit Analysis









The majority of debt collection claims result from the debtor having financial problems. We seek to understand the owner’s personal financial situation as well as the company’s financial position to help us with developing

a negotiating strategy and a successful result.

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Payment Plans

Unfortunately, in the vast majority of larger commercial collections the debtor does not have the financial ability to make full restitution in one payment. We will negotiate and enforce payment plans, which may have weekly, bi-weekly or monthly payments. These plans get documented and we strive to make them as automatic as possible so we are not having to chase the debtor for each payment. While we strongly prefer to get all of your money immediately, if we have to work over an extended period it is still superior to not getting paid and generally better than having to go to court. All payments plans are subject to client approval.

Settlement Agreements

On occasion there are disputes where the other party has some damage claim against our client. The end result may be that our client agrees to accept less than the full balance owed as part of settling the dispute. In other situations, a debtor may be delinquent with a significant number of vendors and only have a limited amount of funds available to satisfy old debts. While a long-term payment plan may get a full recovery, there is risk that the debtor goes out of business before satisfying the obligation in full. In this situation, it may be preferable to negotiate a settlement agreement where the debtor gets a discount but pays the full discounted amount immediately. Clients must approve in writing any settlement

Collection Litigation

If we cannot resolve the matter on a voluntary basis, we have a nationwide network of debt collection attorneys who work on a contingency basis.
We only recommend suit if we believe there is an extremely high likelihood of getting a substantial return on investment. All litigation must be improved in writing by clients. More information is available in our debt collection litigation video.

Judgement Collection

Winning the lawsuit is the first step to getting paid. Then the judgment has to be collected. If the debtor does not voluntarily agree to pay once we have a judgment¸ there are a number of court-ordered judgment collection processes we use to collect. The judgment collection video explains this in greater detail..

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