Hand us your overdue invoices.
Get back to business.
Debt Shield is outsourced credit-control support, built for small and medium businesses without their own credit controller. 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
Less than a tenth of what a credit controller costs to employ. Your fee is set on your invoice volume and the support you need — no win-no-fee gimmicks, just a predictable monthly cost agreed once we’ve seen your ledger.
Enquire about Debt Shield →Free, confidential, obligation-free first chat.
The credit controller you don’t have to hire.
A full-time credit controller is a salary most small and medium businesses can’t justify — so the job never gets an owner. It lands on you, at night, after the real work is done, and it is always the first thing to slip. Debt Shield is that role, outsourced: the same disciplined follow-up, run by a licensed investigation firm that can also turn up at the door.
What comes off your desk
- Your aged receivables, watched. We track what’s overdue and by how long, so nothing quietly ages past the point where it can still be recovered.
- Reminders that actually go out. The polite nudge most businesses forget to send is the one that collects the most money.
- Statements and reconciliation. Payments are matched off as they land — we never chase an invoice you’ve already been paid for.
- The phone calls. Weekly, persistent and professional — the part owners hate most and put off longest.
- Formal letters of demand, worded correctly so they carry weight instead of creating a problem for you.
- Your terms of trade, enforced. Interest, recovery costs and collection fees claimed where your contract allows it.
- Disputes triaged. A genuine dispute comes straight back to you. A stalling tactic does not.
- Weekly reporting, so you always know where your money is without having to ask.
What an in-house controller can’t do
A credit controller works the phone and the inbox. When a debtor stops answering both, that is where it ends — and that is exactly where the money is usually lost.
Debt Shield keeps going, because we are a licensed investigation firm first:
- We find them. Skip tracing when a debtor has moved, changed number or gone to ground.
- We turn up. A licensed agent makes contact in person, which changes the conversation entirely.
- We serve documents. Statutory demands and court papers served personally, with a sworn affidavit of service.
- We build the file. Every contact documented and court-ready, so going legal becomes a decision rather than a scramble.
The short version. You get the follow-up discipline of a credit department and the reach of a licensed investigator, for one monthly fee — without another salary, another desk, or another awkward call you have to make yourself.
What are overdue invoices — and chasing them — costing you?
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
Debt Shield from $650+GST/month — about $62,200 a year back in your business
Indicative only — a rough guide to tied-up cash, the time cost of self-chasing and the saving against employing a credit controller (salary benchmark: SEEK, NZ, 2026). Not a quote, and not a guarantee of recovery. Debt Shield starts at $650+GST/month; heavier steps are quoted per file.
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 promptly.
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, documented 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
- Urgent instructions welcomed, 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 — and nobody in the business actually owns credit control — 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.
For most small and medium businesses, yes. Debt Shield is built for businesses where credit control has no owner, so it falls to whoever has time — usually the person who should be running the business. You get the follow-up discipline of a credit department without hiring for it, plus something an in-house controller can’t offer: when a debtor stops answering the phone, we can locate them and turn up in person.
From $650+GST a month, your fee covers the full standard recovery process across your invoice ledger: 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.