I can't pay my bills/debts. What can I do?
Financial issues often seem difficult to address -- a trained budget adviser can work with you to simplify and budget your resources
Just give us a call on 09 631 5572 to make an appointment
How can I stop my car or furniture being repossessed?
New Zealand has laws about reposession of property.
Find out more about this here
Can I get more benefit money from Work and Income?
Phone 0800 559 009. Case Officers and liaison through Auckland Central Budgeting
Should I get a loan to pay my debts?
Sorted.org.nz has a lot of information including a
debt calculator to help you with making this decision
How do I apply for a HNZ house?
Housing New Zealand may be able to assist. You can contact them as shown below
Phone: 0800 801 601
Fax: 0800 201 202
Visit the website
Where can I get cheap or second hand school uniform?
Talk to us. Often the schools your children attend will have second hand uniforms for purchase. Sometimes uniforms are sold on Trade me and other reseller sites.
Ask around -- often parents hold on to clothing that has been outgrown. However once they are aware of need in their neighbourhood they may be willing to pass on clothing at a reduce cost or even trade for services which you can offer. We may be able to advise you on how to contact agencies that can help financially.
What is a NAP (non asset procedure). SIO (summary instalment order) ?
What is the N.A.P (non asset procedure)
A debtor who is unable to pay their debts may have an alternative to bankruptcy through the No Asset procededure (NAP).Unlike bankruptcy, the NAP lasts one (1) year. The period of a NAP can be extended by up to 25 working days by the Official Assignee, if a creditor objects to a debtor's No Asset Procedure. The official Assignee will write to the debtor to confirm if the period of their NAP is to be extended. The Official Assignee will also contact the debtor to confirm the outcome of the objection process.
SIO (summary instalment order)
A Summary Instalment Order is similar to debt consolidation, if your credit rating is already marked by missing payments or a debt that has gone to a collection agency then a Summary Instalment Order may be right for you.
How it works: Just like a debt consolidation loan all of your debts are put together and you make one payment a week/fortnight or month directly from your wages or benefit to the Ministry of Economic Development these are then distributed out to all of your creditors saving you time and energy. There are fees involved they are 10% of your debt repayments plus $100 over three to five years.