B2B debt recovery.
Trade suppliers, contractors, service providers. We act as your outsourced collection department — persistent, professional, compliant.
Service / 03 · Debt Collection
Debts collected.
Files written off
reopened.
Commercial and consumer debt recovery across New Zealand. We follow the rules — Fair Trading Act, Privacy Act, CCCFA — because that's how recoveries actually close.
PSPLA #22-099124 Licensed
Privacy Act 2020 Compliant
FTA & CCCFA Compliant
Nationwide Coverage
🛡 Debt Shield · Cashflow Management Partnership
Want us to manage your debt from day one?
Every overdue invoice represents tied-up revenue and wasted time. Most businesses chase payments 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 through to field visits and litigation preparation — without you lifting a finger.
// Monthly service fee
$650 + GST / month
Covers up to 50 invoices per month · Additional blocks of 25 at $250 + GST · Quarterly billing
Enquire about Debt Shield →The end-to-end process.
Every invoice follows the same escalation path — documented, compliant, fully managed.
Day 0
Invoice Loaded
Invoice securely received and entered into our workflow system. Confirmation sent that the case is active.
FEE: Included
Day 7
Payment Reminder · Admin Notice
Professional payment reminder issued. Firm, compliant, relationship-preserving. Admin fee applied to debtor account.
ADMIN FEE: $60 + GST
Day 14
Formal Demand · Collection Notice
Formal collection notice issued. Collection loading applied to the outstanding amount.
COLLECTION LOADING: 20% of debt
Day 21
Final Notice
Final formal notice issued before field escalation. Last opportunity for the debtor to resolve without agent involvement.
ADMIN FEE: $60 + GST
Day 28
Field Visit Triggered
Unpaid accounts flagged for field agent attendance. Licensed agent visits in person with body-cam. Full written report provided. Skip tracing actioned if debtor has relocated.
FIELD VISIT: $180–$300 + GST
Step 6
Skip Tracing & Legal Preparation
If debtor cannot be located, skip tracing is initiated. Once located, full legal preparation file compiled — ready for court or tribunal.
SKIP / LEGAL: From $120
Full fee schedule.
| Stage | Description | Fee (ex GST) |
|---|---|---|
| Day 7 | Administrative cost for first reminder notice | $60 + GST |
| Day 14 | Collection loading on total outstanding debt | 20% of total |
| Day 21 | Administrative cost for Final Notice | $60 + GST |
| Field Visit | Licensed agent attendance + written report + mileage | $180–$300 + GST |
| Skip Trace | Locate debtor and verify current address/assets | $120 + GST |
| Legal Prep | Court or Tribunal documentation preparation | $250–$600 + GST |
| Arrangement | Weekly payment plan monitoring fee | $20 + GST/wk |
| Breaking Arrangement | Fee for debtor breaching active payment plan | $50 + GST |
| Legacy Invoices | Debt load fee for pre-existing debts (+ 25% of total) | $60 + GST + 25% |
One-off Recovery
Single file? We handle that too.
Consumer debt collection.
Personal loans, hire purchase, auto finance. We work within CCCFA and Privacy Act requirements on every file.
Debtor located.
When the debtor has gone to ground, we find them first. Our skip tracing sits inside our recovery process — not outside it.
In-person contact.
Licensed agents visit debtors in person. Documented, body-cam equipped, court-ready records of every visit.
Litigation support.
When negotiation fails, we prepare the full documented file for your solicitor — ready to file, ready to win.
Bi-weekly reporting.
Every action logged, every contact documented. Bi-weekly reports on all active files — you always know where your money is.
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.