Yup, that's a big problem with '07...
Personally, even if I like to keep all settings as realistic as possible, I gave up a long time ago on playing 12mn quarters, you'll most likely get crazy scores now matter what.
I was playing 10mn quarters, with game speed of 40 (below that is just ridiculously slow IMO, especially on what should be "fast" breaks

). You'll have to experiment lowering the shot efficiency in the sliders (short, mid & long distance), increasing the fouls (mostly shot fouls and in-air collisions), and that should already affect your game in a positive way.
Since getting realistic scores is largely related to sliders, I'd recommend you check the "sliders discussion" thread of this forum, if you haven't already.