Who this is for
Businesses owed money by other businesses: trade suppliers, wholesalers, contractors, finance companies and professional firms, along with the accountants and solicitors who refer their clients to us. The work runs from a single unpaid invoice to a ledger of accounts that has been sitting far too long.
What we need from you
- The unpaid invoice or invoices, and a statement of the account.
- Your terms of trade, and the signed credit application if there is one. These decide whether interest and recovery costs can be claimed, and whether anyone has personally guaranteed the account.
- Any correspondence with the debtor, particularly anything where they dispute the work or promise to pay.
We read it, tell you whether the debt is recoverable and how, and give you the commission figure before you commit. That assessment costs nothing.
How a commercial recovery runs
1. Demand
A formal demand from us, setting out what is owed and what happens if it is not paid. For some accounts this is where it ends: the invoice had slipped down someone's list, and a demand from outside your business moves it to the top.
2. Negotiation and arrangements
Where a debtor cannot pay in one sum, a documented arrangement is often the better commercial outcome. We put it in writing, monitor it, and follow up if a payment is missed, so an arrangement does not become a way of delaying indefinitely.
3. Disputes answered
Disputes raised only when payment is demanded are common. We look at what the debtor actually says against the paperwork, and answer it. A genuine dispute changes which route is right; one raised only to delay can often be answered from the documents.
4. Proceedings
Where an account will not resolve any other way, it goes to the forum that suits it: the Disputes Tribunal, the District Court, or for a company that simply is not paying an undisputed debt, a statutory demand. Where a matter needs a lawyer, we arrange one and keep managing the file.
5. Enforcement
A judgment is not a payment. Enforcing it is its own discipline, and it is where a great deal of good debt is quietly written off.
Debtors who have moved or disappeared
A change of address, a new company, or a move offshore does not necessarily close an account. We work to locate debtors and act where they have gone. Where the original company has been struck off or liquidated, the question becomes whether anyone else is liable, most often a personal guarantor.
What it costs
Commission only, calculated on what we recover: no joining fee, no monthly fee and no upfront fee. Our rates are published. Where your terms of trade allow recovery costs to be charged to the debtor, we claim them. Court filing fees and similar out of pocket costs sit outside that, and we tell you what they are before anything is spent.
What your terms of trade say decides what can be recovered later: interest, recovery costs, and whether a director has personally guaranteed the account. We will look at yours. That conversation is more useful before you need it than after.
General information, not legal advice. This page describes New Zealand law and practice as at October 2026; the right step for a particular debt depends on its facts. Where a matter needs legal advice, we will say so.