Refer a Client

FOR BUDGET SERVICE USE ONLY

If you have a client who is struggling to make repayments, taking out loans to pay off other loans, has been declined credit, or they just tell you they’re struggling, send them our way. Debtfix was created as a lifeline to help New Zealanders drowning in debt.

Step One

Determine whether or not your client needs assistance

Signs to look out for:

They are missing repayments or consistently accruing fees
They are taking out loans to pay for everyday expenses or to cover existing loan repayments
They are struggling to pay for basic necessities like rent or power, or are already in arrears with those payments
They are using credit for everyday living expenses
They have a sudden change in circumstance i.e. illness, pregnancy, relationship breakdown, death in the family
They are juggling multiple debts
They have been declined for further credit
They tell you they need help

Step Two

Let them know about Debtfix’s services

Debtfix can provide them with debt solution advice free of charge, and work with them on sorting their finances, but they’ll need to be prepared to do the work, be disciplined in their spending, and be honest about their financial situation.

Let your client know that we’re not a money-lending service. Rather, we’ll be working with them to create a personalised plan to solve their debt dilemma.

Step Three

Complete the Referral form

Referral Form - For Budget Service use only

Call us on 0800 DEBT 101 or email helpline@debtfix.co.nz

Our Expectations

We hope that our clients will follow this path to recovery and financial resilience after consulting with us, and/or adopting a debt solution recommended by us (whether it is bankruptcy or debt repayment order or otherwise).

Overcoming crisis

(3 months after advice)

Client reaches a trigger point, has contacted us for advice and is starting to act upon usable advice.

Improved wellbeing
Reduced creditor pressure
Increased confidence
Budget coming under control
Progress with sorting debts
Arrears not worsening

Stability

(9 months after advice)

Client has regained control of finances, chosen a course of action and has stability to pursue it.

Continued improvement to wellbeing
Increased confidence
Budget stability
Progress with sorting debts
Arrears not worsening
Increased sense of financial resilience

Path to recovery

(15 months after advice)

Client starting to manage money for the long term and is progressing to financial health.

Continued improvement to wellbeing
Increased confidence
Continued budget stability
Building resilience
Planning for financial future

Don’t put it off any longer.

If your client is in dangerous waters with their debt, we can help.

Refer them here