Debt dragging you under?
Considering bankruptcy isn’t part of anyone’s life plan!
One moment your borrowing feels completely manageable...
And the next, your world is spinning out of control and that same borrowing is dragging you down.
Get out of debt with NZ’s debt management and insolvency experts.
Three reasons to get in touch with us:
Confidential, non-judgemental and no obligation
All our advice is provided free of charge
We fix your debt problems to help you, and your family, get on with your lives.
How does Bankruptcy work?
Bankruptcy is one way to manage your debts if you are struggling to pay back the people or organisations you owe money to.
It’s not an easy way out — entering bankruptcy means the Official Assignee has control over (almost) everything you own, and can sell them at any value to pay off your debts.
And, the bankruptcy will appear on your credit file for 7 years.
Creditors Proposal
A good solution for people who cannot afford to pay off their debts, but have a steady income allowing for some regular payments, or assets that can be sold in a controlled way to help pay off those debts.
To be eligible, you must have at least $5,000 of unsecured debt and more than one creditor, but in reality normally best suited to someone who owes in excess of $25,000.
Debt Repayment Order
A good option if you owe less than $50,000 in unsecured debt, have an income and are able to make some repayments.
It is a formal debt repayment plan between you and the people you owe money to and usually takes about 3 years to fulfil, but can be up to 5 years.
It provides structure and process to manage debt, possibly reduce it and avoid it increasing.
Ready to get out of debt?
We’ve helped hundreds of Kiwis fix their debt without resorting to bankruptcy, and by doing so, have enabled them to take back control, not only of their finances, but of their future.
The options can be confusing, so you need an expert who genuinely understands them and can guide you through them.
We provide debt management advice and solutions for people with varying levels of consumer and/or business debt, and who feel they have no way out.
Debtfix Limited
Company Number: 6660633
NZBN: 9429046561848
Registered Office: c/o BHW, Level 3, 27 Bath Street, Auckland, 1151, New Zealand
Physical Address: Unit F, 11 Neville Street, Warkworth, Auckland 0910
Postal Address: 11F Neville Street, Warkworth, Auckland, 0910, New Zealand
Debtfix Limited is a Registered Financial Service Provider: Number FSP636209 | www.fspr.govt.nz
“I’m so glad I found Christine online to help me with my debt. When I made contact my finances were out of control from a messy ending of a relationship and court costs. Three years later, I’m debt free and looking forward to the road ahead.”