For your life

Recovering Unpaid Debts.

Help recovering money you’re owed

If someone owes you money and won’t pay, we can help you take steps to recover it. Whether it’s a personal loan, unpaid invoice, or unresolved agreement, we’ll explain your legal options.

Why Legal Help Matters for Personal Debt Recovery

Recovering money can be stressful, especially when informal efforts haven’t worked. Whether it involves an unpaid loan, rent, or personal agreement, early legal advice can make a real difference.

We help people take clear and proportionate steps to recover what they are owed while keeping the process practical and cost effective.

Understanding Personal Debt Recovery

Personal debts often arise between friends, family members, landlords, or small business clients. These situations can be emotional and complicated. Early legal advice helps you understand your rights, your options, and the best way to move forward.

Our approach focuses on resolving matters efficiently and fairly, using negotiation and settlement where possible before pursuing formal recovery.

What We Help With

We assist with personal debt recovery in a wide range of situations, including:

Unpaid loans, invoices, or residential rent

Drafting and sending letters of demand

Negotiating repayment or settlement arrangements

Representing you in the Disputes Tribunal or District Court

Applying for enforcement orders or taking further recovery action

Our advice is realistic and focused on outcomes. We help you choose the most effective process based on the amount owed, the evidence available, and the likelihood of recovery.

Clear, Cost-Conscious Advice

We explain the likely costs, risks, and timelines before you decide how to proceed.
Our goal is to help you recover what you are owed efficiently and proportionately, using the most practical path available.

Where We Work

We help clients across New Zealand with personal debt recovery matters, offering local support through our Wellington, Lower Hutt, and Masterton offices.

Questions We Often Get Asked About Personal Debt Recovery:

Yes, often you can. Many debts are resolved through a letter of demand or negotiation before any formal claim is filed. We help you decide on the right first step for your situation.

Yes, if you can show that the money was a loan and not a gift. We help you review your evidence, such as bank transfers or written messages, and guide you on the best recovery approach.

If the debt remains unpaid, you can file a claim in the Disputes Tribunal or District Court. We explain your options, help you prepare documents, and guide you through each step.

Most debts must be claimed within six years from when the debt became due. Getting advice early helps make sure your claim is filed in time.