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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How Consumers Can Avoid & Recover From Overwhelming Debt During These Tough Times

Australian consumers are hurting from a record high in debt—everything from mortgage debt to credit card debt. Most of all, they are suffering from interest repayments on their debts that eat up almost 12% of their disposable income. On the other hand, debtors believe they can afford to be in debt with wages currently remaining strong and unemployment actually at a 32-year low in Australia.

Therefore, why are many Australians having so much trouble keeping up with their bills? Why are many accounts being turned over to debt collectors? The answer is overspending. As Australians are more secure in their jobs and on their income highs; they are spending more and risking more—heading directly into debt instead of avoiding it.

How can you avoid debt? Foremost, realistic budgeting can keep you from drowning in debt. To take control of your financial situation, you must first asses how much you earn and how much you can spend. It’s as simple as that. Make a list of fixed expenses like car payment, mortgage payment, cable bill, etc.—expenses that don’t change much from month-to-month. Next, list expenses that change like clothing, food, and entertainment. Afterwards, you can set up a budget that should first take care of the basics like food, housing, and insurance, among many others.

If you are already in debt and are looking for ways to recover, first get in touch with your creditors to work out a more manageable payment plan. Do this before your account gets turned over to debt collectors.

Finally, if you cannot manage on your finances responsibly on your own, credit counselling and debt management plans can help you find the right path back to financial health.

Most reputable debt collectors will work with debtors and more often than not allow them time repayments. This benefits the debtor yet still allows collection agencies to meet the needs of their own clients.