Debt recovery & compliance services NZ
Everything your business needs to get paid, stay compliant, and grow
In the many years since we began providing business services to New Zealand companies, we have accumulated an impressive range of tools that make it easy to resolve cashflow and compliance challenges — all in one platform, for one affordable monthly fee.
- 0% commission — every dollar recovered stays with you
- 25+ years helping New Zealand businesses get paid on time
- $29.95 per month for tools valued at over $2,000 a year
Automated collections
Getting paid on time
Stop chasing payments. Start receiving them.
It is no accident that some companies always get paid on time while others don't. Our intelligent collections system puts Debtorinfo subscribers at the top of their clients' payment priority list. Through a structured, escalating sequence of personalised reminders — starting as friendly prompts from you and progressing to notices from Debtorinfo — your overdue invoices receive consistent, professional attention without you lifting a finger.
- Six-step automated reminder sequence, sent by email or letter
- First two reminders go out as coming from your own business
- Escalating consequences tied to the debtor's credit rating
- No commission — every dollar recovered stays with you
Documents & forms
Documentation library
Every form, letter, and document your business needs — personalised for you.
We regularly assist businesses trying to recover debts where the original agreement was only verbal, or where a partial payment was made and the balance was never settled. Our comprehensive documentation library removes these vulnerabilities. Every subscriber receives a personalised set of letters, forms, and legal documents covering every receivables contingency — all branded in your business or practice name.
- Deferred payment agreements and instalment plans
- Credit application forms and terms acknowledgement
- Demand letters that escalate to formal legal notice
- Industry-specific documentation for your profession
- Online quote and terms acknowledgement workflows
Serious escalation
Statutory demand support
Escalate serious unpaid company debts with a clear, structured process.
Where a debt is due, undisputed, and owed by a company, Debtorinfo helps you organise the debtor details, payment history, demand records, and supporting documents needed before taking the next step. The process is designed to keep your communication professional, documented, and ready for legal review where required.
- Statutory demand workflow for eligible company debts
- Document pack covering invoices, statements, reminders, and debtor notes
- Escalation prompts when a debtor ignores earlier recovery steps
- Referral-ready records for your solicitor or recovery adviser
Please note: statutory demands can have serious legal consequences. Debtorinfo supports the workflow and the records; legal advice should be obtained before serving formal notices.
Disputes Tribunal
Small claims and Disputes Tribunal support
Turn messy overdue accounts into organised, claim-ready evidence.
For smaller disputed or unpaid invoices, Debtorinfo helps you organise the facts before you consider a Disputes Tribunal claim. Keep invoices, statements, terms, reminders, contact notes, payment offers, and debtor responses in one place so your position is clear and easy to explain.
- Claim preparation checklist for overdue invoices and account disputes
- Timeline of reminders, promises to pay, part-payments, and follow-ups
- A clear debtor profile with supporting documents attached
- Professional pre-claim communication to encourage payment before escalation
PPSR & security interests
Terms of trade
Become a secured creditor — and stay protected when clients fail.
Ever wondered why some companies are always listed as secured creditors in a receivership, while others receive nothing? The answer is preparation. Unsecured creditors fail to obtain proper permission from their clients, or simply don't register their security interests. Debtorinfo provides subscribers with properly structured Terms of Trade, including PPSR (Personal Property Securities Register) registration support — a major focus of the service we provide.
- Legally sound Terms of Trade tailored to your trade or profession
- PPSR registration support to secure your interest in goods supplied
- Contractors Terms of Trade for the construction sector
- Construction Contracts Act documentation
- Building Amendment Act compliance forms
- Workers Lien registration assistance
Compliance
Health and safety manual
A personalised health and safety system — ready to implement from day one.
Meeting your health and safety obligations shouldn't require a consultant. Debtorinfo provides subscribers with a fully personalised health and safety manual, configured for your specific workplace type — whether that's an office, workshop, factory, shop, or warehouse. Your team can begin implementing compliant systems immediately, with documentation that reflects your actual working environment.
- Personalised for your specific workplace type
- Suitable for offices, workshops, factories, warehouses, and retail
- Enables staff to begin health and safety compliance immediately
- Ongoing updates as legislation changes
Credit checks
NZ credit rating and credit checks
Know who you're dealing with before you extend credit.
Over 25 years ago, Debtorinfo designed a credit rating system that makes bad debtor information easily accessible across business networks — preventing unreliable payers from moving from one business to the next. This system has saved business groups across New Zealand hundreds of thousands of dollars in credit losses. Platinum subscribers receive unlimited credit checks, and Gold subscribers can run checks on a per-query basis.
- Check a customer’s credit rating before extending credit
- Record debtors with unpaid accounts against their credit rating
- Listings shared with databases used by banks and finance companies
- Debtors with A1 credit ratings face real consequences for non-payment
- Tracks payment habits and business trends across industries
The whole platform
A raft of other services
Everything you need to run a modern, compliant, profitable business.
Running a business should be rewarding and profitable — but for many it isn't, simply because the right systems and processes aren't in place. Debtorinfo brings your business into the 21st century with a complete suite of operational tools used by New Zealand businesses every day. It's reassuring to know you're using the same platform trusted by businesses across your industry.
- Debt collection solutions for any sector
- Disputes Tribunal claim preparation at the click of a button
- One-click Xero sync for your debtor ledger
- Online quotes and terms acknowledgement workflows
- Access to phone-based debt negotiation services
- Legal escalation support for Notices of Proceedings
Helpful NZ links
Official New Zealand resources for debt, credit, PPSR, and claims
Use these external resources to understand the wider New Zealand framework around credit reporting, security interests, company information, and small claims. These links are provided for guidance only and do not replace legal advice.
- Small claims Disputes Tribunal of New Zealand Official information on resolving small civil disputes and how to make a claim.
- Consumer Protection Making a claim through the Disputes Tribunal MBIE Consumer Protection guidance on lodging a Disputes Tribunal claim.
- Security interests Personal Property Securities Register The official PPSR for recording and searching security interests in personal property.
- Companies New Zealand Companies Register Official register details for New Zealand companies, directors, and shareholders.
- Credit records Check your own credit report Govt.nz guidance on credit reports and New Zealand's credit reporting agencies.
- Privacy Credit Reporting Privacy Code Privacy Commissioner rules that apply to credit reporters and credit information.
Who uses Debtorinfo
Built for the industries that extend credit
Debtorinfo has been built to suit many industries across New Zealand. From sole traders to large enterprises — if you extend credit, we can help.
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Health professions
GPs, specialists, dentists, vets, physiotherapists, and allied health providers.
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Lawyers, accountants, and advisors
Professional services firms with fee recovery and trust accounting requirements.
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Building and subcontractors
Construction companies, subbies, and trades needing PPSR and Construction Contracts Act support.
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Electrical industry
Electricians and electrical contractors with retention and progress payment workflows.
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Plumbing industry
Plumbers and gasfitters managing materials, labour, and subcontractor payments.
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Wholesalers, merchants, and resellers
B2B trade credit businesses managing high-volume accounts and goods supplied on credit.
Questions
Frequently asked questions about our services
The answers subscribers ask for most often, from commission and pricing through to credit checks and PPSR registration.
Do you charge commission on what I recover?
No. Debtorinfo does not take a commission and does not add loading fees to your debt. Every dollar recovered stays with you, and the service is covered by your monthly subscription.
What does a Debtorinfo subscription cost?
Plans start from $29.95 per month for a set of documents and collection tools valued at over $2,000 a year. Rather than paying for everything up front, the cost is broken into an affordable monthly subscription, and the documents and collection system are upgraded continually.
How does the automated reminder sequence work?
Overdue accounts move through a six-step escalating sequence delivered by email or letter. The first two reminders are sent as coming from your business, and later steps come from Debtorinfo with consequences tied to the debtor's credit rating.
Can I check a customer’s credit history before extending credit?
Yes. Platinum subscribers receive unlimited credit checks, and Gold subscribers can run checks on a per-query basis. You can also list your own debtors with unpaid accounts, and those listings are shared with databases used by banks and finance companies.
Do you help with PPSR registration and terms of trade?
Yes. Subscribers receive properly structured Terms of Trade for their trade or profession, along with PPSR registration support, Construction Contracts Act and Building Amendment Act documentation, and Workers Lien registration assistance.
Can Debtorinfo help me prepare a statutory demand or a small claim?
Debtorinfo organises the debtor details, payment history, demand records, and supporting documents behind both processes so your file is complete and easy to explain. Statutory demands carry serious legal consequences, so we recommend obtaining legal advice before serving a formal notice.
Does Debtorinfo work with my accounting system?
Yes. You can upload debtor files directly to the platform, or connect Xero for one-click syncing of your debtor ledger, with new accounts appearing in your dashboard within minutes.
Related
Debt collection software and guides
Ready to put these services to work?
Join the New Zealand businesses already using Debtorinfo to recover overdue accounts, protect their credit position, and run more efficiently — all for one affordable monthly fee.