Our Services

Support We Offer

Insolvency assistance

If you can't see a way out of your financial situation then insolvency may be the best solution for you and your mental health. Talk to us as there are three different types of insolvency and together we can work out which one is best for you.

Creditor negotiation

Debt Collectors calling you a lot? You have options! Has something unexpected happened which means you cant afford to pay your debts? You have options!

General budgeting options

Can I afford the item I want to buy? What happens to my money? Am I with the right power company for me? How do I keep track of my spending? How do I know when I have paid something off? Answers to these and many more questions answered with us.

Financial action planning

Have a financial goal? New car, holiday, debt free? Good for you! Don't know how to start? We can help.

Goal setting

Goals - Don't have any? Can't get to them? Don't know what makes a good goal? We can help!

Independent dispute resolution schemes

Did you know every company who lends money has to be part of a financial dispute resolution scheme? This is where you can go if you think your lender is being unfair or unreasonable. We can help you discover whether you have grounds for taking your complaint to one of these schemes. We have had many successes in getting somes clients money back, interest wiped etc.

Alternative lending options

We are very fortunate to have access to three NO interest loan providers in the Dunedin area. These loans are used to pay off high cost debt and/or buying items you need. Eligibility may be easier than you think, so have a chat with us!

Where does your money go?

Where does your money go? Lets work that out together, using our tools. A great way to get some control!

Options with debt

What happens if I buy it and haven’t paid it off before I can no longer afford to? You may have options you didn't know about!

Kiwisaver hardship withdrawal

You may be eligible to get some of your Kiwisaver if you can prove you are in significant financial hardship. This is normally a last resort as your Kiwisaver is usually for your retirement but we can help you. Whether you just need to be pointed in the right direction or if you would like us to do the application for you, we are here!

DCC Consumer Electricity Fund

We are the distributing agency for the Consumer Electricity Fund, very kindly offered by the DCC. Give us a call today and see if you qualify for help paying your power bill. You may be very pleasantly surprised!

Referrals to other agencies if required

We are well connected with many other community agencies who may also be able to assist you.

Support Examples

Being able to negotiate with a client's creditor meant his car wasn't repossessed.

We, and other financial mentors around the country were instrumental in having a loan shark company removed from trading in NZ, due to our official complaints about them!

Getting a client's KiwiSaver out so he could buy a mobility scooter changed his life. He is now mobile, independent and loving life!

The improvement in a client's mental health was amazing to see after we helped him go insolvent.

We helped a client get his KiwiSaver out which tied him over until he found another job.

Getting credit on a client's power bill meant she could then pay her dog registration and get her car legal.

We have been able to assist several clients in getting out their KiwiSaver under hardship to pay off rent arrears meaning they could stay in their property.

Working through a client's budget, we identified a very high repayment rate for a credit contract (HP) but were able to negotiate a smaller repayment plan for her.

With the tools we showed a client how to use, they were able to see where their money goes each week and could then make some changes and even started to save a little.

Many of our existing clients have been able to receive an affordable and trustworthy interest free loan to pay off their high interest debt!

We were able to get over $6000 back to a client when we discovered an unfair and unaffordable credit contract! (HP or personal loan)

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