Step 1 · ConnectXero integration or weekly upload
Link your Xero account, or simply send your overdue list each week. Paid invoices drop off automatically — we never chase money you’ve already been paid.
Service / 03 · Debt Recovery & Debt Shield
Debts collected.
Files written off
reopened.
Debt recovery built for New Zealand small and medium businesses. We chase the invoices so you don’t have to — within the rules of the Fair Trading Act, Privacy Act and CCCFA, because that’s how recoveries actually close.
PSPLA #22-099124 Licensed
Privacy Act 2020 Compliant
FTA & CCCFA Compliant
Nationwide Coverage
Sound familiar?
Unpaid invoices are quietly bleeding your business.
You did the work. You sent the invoice. Weeks later it’s still sitting there — thousands of dollars past due, a stack of statements on the desk, and you’re the one losing sleep over money you’ve already earned.
Chasing it yourself costs hours you don’t have and strains the customer relationships you want to keep. Debt Shield takes the whole problem off your desk.
Stop chasing, start recovering →
🛡 Debt Shield · Cashflow Management Partnership
Hand us your overdue invoices. Get back to business.
Every overdue invoice is tied-up revenue and wasted time. Most small businesses chase payment themselves — burning hours, straining client relationships, and still not getting paid.
Debt Shield is our complete cashflow management service. The moment an invoice is loaded, we take over the entire recovery process — from first reminder and persistent weekly phone calls through to field visits and litigation preparation — without you lifting a finger. One predictable monthly fee, your debtor ledger handled.
// Monthly service fee
from $650 + GST / month
Covers up to 50 invoices per month · Additional blocks of 25 available · Quarterly billing
Enquire about Debt Shield →From unpaid invoice to paid
The whole journey, handled.
Connect your invoices and we take it from there — letters, calls and outreach included, with heavier action only on your say-so.
Who it’s for
Built for the businesses that get left holding the invoice.
If late payers are eating your time and your cashflow, Debt Shield is for you. We work for businesses of every size across New Zealand — these are the ones who feel it most.
Trade & constructionTradies & subbies
Builders, sparkies, plumbers and contractors carrying unpaid progress claims and final invoices long after the job’s done.
SuppliersWholesale & trade supply
Suppliers and merchants extending account terms and wearing the risk when customers stop paying.
Professional servicesAgencies & consultants
Studios, agencies, accountants and consultants with overdue retainers and project balances on the books.
Health & clinicsClinics & practices
Dental, medical, vet and allied-health practices chasing unpaid treatment and service accounts.
PropertyLandlords & managers
Property managers and commercial landlords recovering rent arrears, damage and break-lease costs.
Any business…and everyone else
Gyms, transport operators, hire firms, sole traders — if someone owes you money, we recover it lawfully.
The real cost of doing it yourself
Chasing it yourself vs. Debt Shield.
Self-chasing feels free. It isn’t. Here’s what the two paths actually look like.
✕ Chasing it yourself
The hidden bill
- ✕ Hours every week on phone calls, emails and awkward reminders instead of paying work.
- ✕ Relationships strained when you have to be the “bad guy” with your own customers.
- ✕ Easy to step over the line of the Fair Trading Act or CCCFA without realising it.
- ✕ No leverage — debtors know a busy owner will eventually give up.
- ✕ Invoices quietly written off as “bad debt” — money gone for good.
✓ With Debt Shield
Off your desk
- ✓ We don’t just post letters — we phone, chase and keep the pressure on every week.
- ✓ Your time back — we run the entire recovery process for one predictable monthly fee.
- ✓ A neutral, professional third party makes the ask — your client relationship stays intact.
- ✓ Every contact is compliant, documented and defensible — licensed under PSPLA #22-099124.
- ✓ Real leverage: formal demands, field visits and a court-ready file behind every approach.
- ✓ Extra costs are charged to the debtor and recovered where your terms of trade allow — we set that up with you first.
The end-to-end process.
Set-and-forget recovery — connected to your invoices, chased every week, reported straight back to you.
Step 1 · Connect
Step 2 · ChaseLetters, calls & weekly pressure
We don’t just post letters. We phone debtors and keep steady, professional pressure on — escalating on a clear Day 7 / 14 / 21 / 28 timeline.
Step 3 · ReportWeekly reporting to you
Every action is logged and reported back each week, so you always know where your money is — a full evidence trail, ready if it ever reaches court.
Day 0 Invoice loaded
Day 7 Reminder + first calls
Day 14 Formal demand + calls
Day 21 Final notice
Day 28 You decide: escalate *
* Heavier steps beyond the monthly fee — field visits, skip tracing and litigation prep — are quoted per file, charged to the debtor and recouped where your terms of trade allow. We set the compliance up with you before we start, so you always know the cost before we act.
One debt or one hundred
No debt too large. No debt too small.
Got a single invoice you want chased? We do that too. Whether it’s one stubborn debt or your whole overdue ledger, we apply the right pressure — professionally, persistently and within the rules.
Talk to us about your debt →Open a file
Send us a debtor file.
Every enquiry is free, confidential and obligation-free. We’ll give you an honest read on whether we can recover before you commit.