FAQs for Insolvency Professionals
This page is designed for Insolvency Practitioners and aims to answer some of the most common questions about our personal insolvency servicing activities in Australia. For further information that is not included on this page, please contact us.
Please note
In August 2025, Aryza APAC Pty Ltd acquired all the shares of Bravure Holdings Pty Ltd – the holding company of Bravure.
Aryza is a provider of technology and automation software to businesses across lending, insolvency, credit and debt recovery. Its solutions automate a wide range of activities including customer data collection, administration, and payment processing, across the entire debt cycle.
All insolvency servicing activities continue to be performed by Bravure Pty Ltd, and all existing letters of authority remain valid. The Aryza brand is being progressively introduced over time and you will be asked to update email addresses and contact details in due course.
FAQs
Aryza, through the entity Bravure Pty Ltd, provides insolvency management services to many credit providers, including most of the country’s largest banks and financial service providers. This product is called Aryza Evolve. These services include managing all or part of our client’s portfolio of credit exposures in personal insolvencies (which may include those exposures being dealt with under Bankruptcy Act 1966 (Cth) Pt IV, IX, or X).
These services are provided pursuant to services agreements with our clients. Clients would grant Aryza authority in a services agreement, and/or in a Power of Attorney or other document providing for an agency relationship (the engagement documents).
Aryza shares letters of authority with insolvency practitioners, signed by an authorised representative of the credit provider. These letters of authority provide insolvency practitioners with relevant information about the authority that is granted in the engagement documents.
We would be responsible for exercising the creditor’s rights in relation to their credit exposures, including:
- Submitting proofs of debt;
- Voting on proposals and variations;
- Attending meetings of creditors;
- Receiving dividends; and
- Dealing with other operational correspondence.
The scope of each engagement varies; for instance some relate only to certain insolvency types, and some relate only to certain portfolios. The terms of the letters of authority provide an accurate record of the scope of Aryza’s role for each creditor.
Aryza services at least some insolvencies for:
- AGL Energy
- ANZ Bank
- Bankwest
- Cash Converters (including Green Light Auto Group)
- Citigroup
- Commonwealth Bank of Australia
- Complete Credit Solutions (Complete Credit Acquisitions)
- Credit Corp (including all associated entities)
- Fair Go Finance (including Nimble)
- Francom Group
- HSBC
- Humm Group (including Once Credit, Lombard, Skye Card/Humm90, and all other Humm products)
- Latitude Financial Services (including Australian and NZ products)
- Ledger Acquisitions Australia (Stoneink)
- MoneyMe (including SocietyOne)
- National Australia Bank
- Now Finance (including Pepper Personal Loans)
- Origin Energy
- Plenti
- Pioneer Credit
- Westpac
- Zip
Please contact Aryza at [email protected] to obtain copies of our current letters of authorities, as the terms of these engagements vary from one to the next.
Aryza will send notification to all Registered Trustees and Registered Debt Agreement Administrators using the contact information made available on AFSA’s website. We will also inform AFSA of any new engagements or changes in existing engagements.
Please email us at [email protected] or call us during business hours on 1300 723 480.
Across our engagements in the insolvency system, we aim to share information with stakeholders to help them to better engage with us and our clients.
Wherever possible, we are pleased to share information with Registered Trustees and Registered Debt Agreement Administrators around market trends and insights, and operational items. We are also interested in understanding how we can improve our services to stakeholders within the insolvency system.
To begin a conversation with the Aryza team on these topics, you are welcome to reach out to [email protected] or one of our team.
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