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People get into debt for a number of reasons.

In most cases it isn’t because they’ve been reckless or even careless, but it is often the result of a change of circumstances that sometimes is unexpected.  Loss of income through redundancy, splitting of finances due to a divorce or separation, or illness and other life changing events. Most of our clients contact us after attempting to keep up the repayments for a long period, but find themselves struggling to make ends meet.

There usually comes a point when they realize that they have to take drastic action or face a never ending amount of financial demands from creditors.  As time goes on, debts increase on a daily basis with added interest and charges, and the payments are not actually reducing the balance.

Our debt management plan will put you back into control without borrowing more money (experience shows that this can just make things worse). With only one payment to make and a realistic chance of getting your interest and charges frozen, your debts will be repaid as quickly as possible.



A Debt Management Plan is an informal process of negotiating with your creditors for:

  • the freezing or reduction of interest;
  • extension of repayment terms;
  • or the writing off of part of your debt.

Consolidation Loan is a way of merging all your debts into one simple monthly payment.

  • the loan is generally spread over a longer period;
  • the interest rate is often less;

At KiwiDebt, we do not provide loans for the consolidation of your debt.   Our ethos is don’t finance short term debt with long term finance.

We can discuss many options available to you including Debt Management, Debt Consolidation, and Bankruptcy.

We operate during the hours that are designed to suit you best.  We’re available between 10.00am and 7.00pm, Monday to Thursday, and  10.00am and 5.00pm on Friday. so that we’re available to answer your questions and not interfere with your employment.


Call or e-mail us to talk to one of our friendly team today.