What you'll do
- Understand why court action is a last resort
- Take the steps that resolve a matter before it escalates
- Use payment plans and disputes to keep options open
- Communicate early and keep a record
- Know where to get free help before things escalate
5 min
Court is the last resort
Formal legal recovery is the final stage of the process, not the first, and it is not our preferred outcome. The whole earlier process exists to give you straightforward ways to resolve a matter long before it gets there.
Steps that keep you out of court
These steps, taken early, are the most reliable way to avoid escalation.
- Respond promptly. Even a short reply shows you are engaging and pauses escalation.
- Be honest about your situation. If you cannot pay in full, say so — it helps us find a workable path.
- Propose a payment plan. Paying over time in affordable instalments resolves many matters.
- Raise any dispute clearly. If you believe the amount is wrong, lodge a dispute rather than ignoring the notice.
- Keep it in writing. Confirm agreements in writing so everyone is clear.
Get help early
If you would like free, independent help before things escalate, the National Debt Helpline on 1800 007 007 offers confidential financial counselling at no cost. You can also contact us to talk through your options directly.
Good to know
- Court action is the last resort, and early steps avoid it
- A payment plan resolves many matters before they escalate
- Honest, early communication keeps you out of court
FAQ
What is the single best way to avoid court?
Respond early. Engaging — to pay, propose a plan, or raise a dispute — is what keeps a matter out of formal legal recovery.
Will proposing a payment plan stop court action?
Agreeing and keeping to a reasonable plan resolves the account over time, which removes the reason for any legal step.
Can I get help before things go further?
Yes. The National Debt Helpline on 1800 007 007 offers free, confidential financial counselling across Australia.
Still not sure? Our team is happy to talk it through.