For most Australians debt is a part of life.  Whether it's a home loan, personal loan, credit card or mobile phone nearly every consumer in Australia has at least one credit facility and consequently a level of debt.

Business has the additional problem of having to collect outstanding debt to optimise their cash flow and ensure the long term survival of their business.  Understanding how to maximise cash flow while maintaining customer relationships is critical to business success.

To learn more about debt trends and debt management select from the links below:

• Tips for consumers - managing debt                                                                         Protect your credit rating by following some basic steps to help manage your debt.                                                                                                                                     
• Tips for business - how to maximise your cashflow and debt collection strategies Cash flow is the lifeblood of every business. What you need to know to help your business manage cash flow.                                    
                                                                                                                  
• Business payment trends                                                                                                   D&B's quarterly Trade Payments Analysis provides sector and state-based analysis of payment trends and their impacts on business.