Hand us your overdue invoices.
Get back to business.
Debt Shield is the done-for-you debt recovery service built for New Zealand small and medium business. We chase the money you’ve already earned — letters, weekly calls, nationwide field agents and in-person process serving — all within the Fair Trading Act, CCCFA and Privacy Act, because that’s how recoveries actually close.
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 — and puts real, lawful pressure behind every dollar.
Stop chasing, start recovering →
One monthly fee. Your whole debtor ledger, handled.
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 nationwide field visits, in-person process serving and litigation preparation — without you lifting a finger.
- Set-and-forget: connect Xero or send a weekly overdue list
- Paid invoices drop off automatically — we never chase money you’ve been paid
- Every contact compliant, documented and court-ready
- Weekly reporting so you always know where your money is
Covers up to 50 invoices per month · Additional blocks of 25 available · Quarterly billing · No win-no-fee gimmicks, just predictable cost.
Enquire about Debt Shield →Free, confidential, obligation-free first chat.
What are overdue invoices costing you right now?
Drag the sliders. This is the cash sitting in someone else’s account instead of yours — and roughly what it costs to keep chasing it yourself.
that’s about $1,800/month of your time
Indicative only — a rough guide to tied-up cash and the time cost of self-chasing, not a quote or a guarantee of recovery.
The whole journey, handled.
Connect your invoices and we take it from there — escalating on a clear timeline, with heavier action only on your say-so.
Invoice loaded
Link Xero or send your overdue list. We verify the file, confirm your terms of trade, and open recovery the same day.
Reminder + first calls
Professional reminder issued and the first round of phone calls begins. Steady, courteous, persistent — never harassment.
Formal demand + weekly calls
A formal letter of demand lands, backed by continued weekly calls. The debtor now knows a licensed firm is on the file.
Final notice issued
Clear final notice before escalation, with a documented trail building behind every contact — ready if it ever reaches court.
Escalate, your call *
Still unpaid? You choose the next step: a nationwide field agent on the doorstep, in-person service of a statutory demand, skip tracing, or litigation prep.
* Heavier steps beyond the monthly fee — field visits, in-person process serving, 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 act, so you always know the cost first.
Anyone can post a letter. We turn up.
When email and phone calls run out of road, Debt Shield has something most collection agencies don’t: boots on the ground in every region, and the power to serve documents in person.
🚩 Nationwide field agents
Boots on the ground, Cape Reinga to Bluff.
A debtor who ignores letters and screens calls behaves very differently when a professional, licensed agent is standing at their door. We have field agents across every New Zealand region — so distance is never an excuse for a debt going cold.
- Local agents who know the area — no travel premium for being remote
- Doorstep contact, welfare-aware and fully compliant
- Time-stamped, body-cam evidence on every attendance
📄 Sworn affidavit every serve
Statutory demands, served in person.
A statutory demand under the Companies Act is one of the most powerful recovery tools there is — but only if it’s served correctly. Our licensed process servers deliver demands, court documents and notices personally, with a sworn affidavit of service every time.
- Personal service of statutory demands, summons and notices
- Sworn affidavit of service — court-ready proof, every time
- Same-day urgent serving available nationwide
- Seamlessly triggered from inside your Debt Shield file
Chasing it yourself vs. Debt Shield.
Self-chasing feels free. It isn’t. Here’s what the two paths actually look like.
The hidden bill
- ✕ Hours every week on 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.
Off your desk
- ✓ We don’t just post letters — we phone, chase and keep the pressure on every week.
- ✓ Your time back — the entire recovery process for one predictable monthly fee.
- ✓ A neutral, professional third party makes the ask — your client relationship stays intact.
- ✓ Every contact compliant, documented and defensible — licensed under PSPLA #22-099124.
- ✓ Real leverage: formal demands, field visits and a court-ready file behind every approach.
Built for the businesses left holding the invoice.
If late payers are eating your time and 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 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.
Debt Shield, answered.
The $650+GST monthly fee covers the full standard recovery process on up to 50 invoices: reminders, formal letters of demand, weekly phone calls, weekly reporting and a documented, court-ready trail. Heavier steps — field visits, in-person process serving, skip tracing and litigation prep — are quoted per file and, where your terms of trade allow, charged to the debtor.
Yes. It’s governed by the Fair Trading Act 1986, the CCCFA 2003, the Privacy Act 2020 and the Companies Act 1993. We operate strictly within all four — no harassment, no false statements, no breach of the Act. That compliance is exactly what protects you as the creditor.
Debt Shield pairs directly with our nationwide skip tracing and field-agent network. We locate the debtor first, a local agent makes contact in person, and we pursue recovery through statutory demand, court action or commercial settlement.
Yes. Whether it’s one stubborn debt or your whole overdue ledger, we apply the right pressure. Single files can be complex, so we prefer a quick chat before quoting — get in touch and we’ll give you an honest read.
A neutral, professional third party usually protects the relationship — it takes you out of the awkward “bad guy” role. Every contact is courteous and measured. You stay the supplier they want to keep working with; we’re just the firm that handles the money side.
Send us your overdue ledger.
Every enquiry is free, confidential and obligation-free. We’ll give you an honest read on what’s recoverable before you commit a cent.