What our clients are saying:

Our accountant suggested Score. We gave them a debt we gave up on and they got it straight away. Over a year later and we can highly recommend them...

Kylie Cooper, S&K Photography

Of note are Scores prompt responses and approach to the recovery of the debt. We have had a 100% successful outcome over the past 6 years...

Ola Sunmola, Acos Personnel

We wanted to avoid expensive legal fees and from day one we saw results. Score have recovered all the debt outstanding and kept in touch throughout the process...

Gordon Johnson, Rydon Group Holdings

We started using Score 3 months ago after using another collection company for many years with minimal recovery. Couldn�t be happier, we are now getting results, our bad debts are down...

Georgie Blennerhassett, Consider This Training

After sending our debts to Score they have achieved an awesome 100% success rate. I would not hesitate to recommend Score Debt Management to anyone...

Tracey Foster, Yianni FineFood

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Debt Collection

Debt Collectors Frequently Asked Questions (FAQs)

  1. What does the debt collection process involve?
  2. The process involves the use of a range of demand letters, telephone negotiations, SMS and email demands and solicitor’s letters. Legal action can also be issued by us anywhere in Australia.
    Find out how we do it.

  3. How long will the debt recovery take?
  4. There is no easy answer to this question as there are too many variables involved in the debt recovery process. However, we’ve listed the criteria that may impact the duration of the job.
    Click here to find out more about the factors affecting how long debt recovery takes.

  5. Can I collect your non-legal fees (including Commission) from the debtor?
  6. Unfortunately the usual answer to this question is NO (with the exception of legal costs) unless you have a signed contract to do so (if you do have a signed written agreement, refer to the following question). The addition of our fees in Queensland is totally prohibited.

    If you can’t add your fees, do not be deterred. You will still receive a significant net gain with a successful collection.

    From July 1, 2011, the activities of debt collectors in Victoria became governed by the Fair Trading Act 1999, Part 5B. Sections 93K (1) & (2) of that Act essentially prohibit debt collectors from recovering our fees from a debtor unless a contract exists between the parties allowing for this to occur. Our legal advice indicates that for the addition of our debt collection fees to be legally binding, there must be a written and signed agreement in effect. This same situation existed in the previous Act governing us; the Private Agents Act 1966 Section 38.

    The relevant section of the Fair Trading Act can be found at: http://www.austlii.edu.au/au/legis/vic/consol_act/fta1999117/s93k.html

    The complete Fair Trading Act can be found at: http://www.austlii.edu.au/au/legis/vic/consol_act/fta1999117/

  7. What if I have an agreement with the debtor to pay collection costs?
  8. If you have a properly executed written agreement with the debtor that has been signed by them and states they have to pay your debt collection costs or administration fees relevant to collection, then it should be possible. However, you will need to be able to supply the original document if requested to do so.

    If the debtor requires “copy invoices” or substantiation, you will need to be able to produce an invoice for these 'fees', making specific reference to the relevant section of the signed written agreement and its date.

    In the event that legal action is issued and a defence ensues, some magistrates may not make an order for these fees, while some will. The likelihood of a defence to legal proceedings increases if such 'fees' are added to the debt and form a component of the amount the party is being sued for.
    Score Debt Management accepts no responsibility for any resultant action or loss relevant to the addition of our charges to the debt.

  9. Can I recover legal costs if I sue someone?
  10. Yes, you can if you are successful in obtaining a court judgment against the debtor or if the debtor pays the debt after the issue of legal proceedings. The court will make an award for a sum that will include the debt, legal costs, and even interest. Interest is normally calculated under the Penalty Interest Rates Act 1983 in Victoria.

    If your legal action is defended and you conduct a successful defence, then the magistrate will determine the amount of costs awarded – this may vary from the fees charged by our solicitors to you via Score. (In Victoria there will be NO award made on defended matters with a debt under $500)

    If the legal action you issue is defended and you lose the case, then the magistrate may make an order for costs against you in favour of the defendant/s. In this scenario you will still remain liable for our costs too – so beware – if you are going to sue ensure you can prove and substantiate your debt.
    Remember, a court order does not guarantee payment. Score must still collect the amount from the defendant.

    If you have any other questions regarding the debt collection process, feel free to call us on 1300 729 809 and one of our team members will assist you.