Debt Collection Guide

Kia ora. We are InDebted New Zealand Ltd (Company Registration Number 7686518) (InDebted NZ), a debt collection agency focused on customer experience and providing people with the tools they need to resolve their accounts. Your credit provider has appointed us to help you manage your loan and payments under it.


We understand there may be times when your circumstances change unexpectedly. You may have lost your job, suffered an illness, been affected by a natural disaster or are experiencing a reduction in your income, for example. This may mean you are having trouble meeting your payment obligations under your credit contract. If so, we encourage you to contact us as soon as possible.

You can get free and confidential advice from the Building Financial Capability services offered by the Ministry of Social Development. These services help people, families and whānau to build their financial capability and resilience. You can also contact the free financial helpline MoneyTalks for confidential advice and connect to BFC services.

How we can help You

We are here to help you resolve your account and support you on your debt-free journey.

Pay in installments

Can't afford it all at once? Set up a payment plan to pay in affordable installments.

Pay in full

The fastest way to finish your account.

Inaccurate Information?

Not your account? The amount looks wrong? Let us know and we will work through that for you.

Our Internal Dispute Resolution Scheme

If you are unhappy with our services, it is important we hear from you so we can make things right.

We have an established complaint handling process committed to properly considering and resolving all complaints.

If you have any concerns or wish to make a complaint about our services, please lodge a complaint via our website and include the following information:

  1. 1. your full name;

  2. 2. contact details;

  3. 3. description of your complaint; and

  4. 4. what outcome do you want,

View our complaints form here.

Please include as much information as you can to help us resolve your complaint.

You can also find more information about our complaints process by going to our complaints page.

We will attempt to resolve any complaint we receive as soon as possible. This process helps ensure we perform our services to all our customers to the high standard we pride ourselves on and reduce the chance of escalating any complaint.

Our External Dispute Resolution Scheme

If you’re unhappy with our response or the progress of your complaint, you have free access to an external dispute resolution service and you can refer your complaint to the Commerce Commission, New Zealand. This is an externally-managed complaints resolution scheme of which InDebted New Zealand Ltd is a member.

You may contact the Commerce Commission at:

By Mail

PO Box 2351

Wellington 6140

New Zealand


0800 943 600



Our Details

This Debt Collection Guide is provided by InDebted New Zealand Ltd (Company Registration Number 7686518).

This Debt Collection Guide is Version 1 dated 1 October 2021


Feel free to conduct us at any time. We are happy to help you with any questions you might have.