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New Zealand's largest Tenancy Focused debt collection company

NZ Collections was founded in 2009. Since then, NZ Collections has grown to New Zealand's largest and fastest growing tenancy-focused debt recovery company. We've now diversified into other markets, including gyms, appliance rentals, building construction and other commercial debt accounts.

We have an impeccable reputation with some of New Zealand's most well-known and reputable businesses and this is due to our focus on three key elements:

• Communication: provided through a range of methods. This includes auto and manual email reports sent to the property throughout the collection process as well as follow up calls to creditors, from their account manager.

• Transparency: provided through the login area. This allows property managers to track the status of files, view the file history and manage files.

• Results: we get results that individual creditors as well as other collection agencies simply cannot achieve. This is thanks to a combination of our systems using the latest technology, our account management team's great interpersonal skills and our custom-built District Court enforcement system. 90% of our recoveries are completed without having to use the District Court. This means that in most cases, the debtor pays the fees and commissions we charge – not you.

Contact us

If you have feedback or a question please complete the below form, or call us on 09 281 2027.

Commission: 25% of the debt total.

GST: GST is the liability of the creditor.

Interest: NZ Collections do not charge interest to the creditor or the debtor.

Admin charge: A $5 admin fee is charged each pay-out. Pay-outs are administered quarterly.

Transaction costs: $0.60 Applicable only with direct debit repayment plans.

Court Costs: If a debt is enforced in the District Court, the courts will award costs. If these costs have been paid by NZ Collections, these will be recovered first before the debt is repaid.
Terms and Conditions

If NZ Collections obtains new information in the course of our duties, NZ Collections will not disclose that information to any person or organisation.


The costs of collection are either paid for by the creditor (the person owed the money) or the debtor (the person who owes the money).

The liable party for these fees is determined by two things:

1. A provision/ clause
If a clause is present and agreed to by the debtor then the creditor can chose to make the debtor liable for costs. If this clause is not in the contract then the creditor is automatically liable for these costs.

2. Instructions
The creditor or acting creditor is responsible for instructing the collection agency as to the amount to collect. If a debt collection clause was present it is still the creditors decision as to what they instruct the agency to collect.

If the debtor signed a tenancy/ finance/ other contract that contained a debt collection clause, they can contact the creditor or acting creditor and negotiate the liability of these costs.

If the creditor agrees to pay these costs then they will need to contact the debt collection agency with further instructions as to the liability of these costs.  

Cancellation of debt

If the creditor cancels a debt lodged with NZ Collections a cancellation fee may apply.  


The creditor agrees that once the debt has been lodged with NZ Collections that they will not contact the debtor or interfere with the debt collection process.


Pay-outs are made every three months in March, June, September, and December. Pay-outs within New Zealand cost $5.00+GST, whereas pay-outs to bank accounts outside New Zealand will incur a fee of $100 per payment.

Direct payments

If a debtor pays either an the creditor directly, by way of voluntary payment, or as a result of court enforcement or by any other means, after the debt has been lodged with NZ Collections, full commission is payable by the creditor to NZ Collections. NZ Collections may issue an invoice for this commission.


NZC takes no responsibility for the unsuccessful collection of a debt.


NZ Collections reports are offered in good faith and are based on historical data but they do not warrant or guarantee a successful collection of a debt and should not be interpreted as warranting any particular outcome.

Default payments

NZ Collections reserves the right to pass on the cost of defaults to the debtor. NZ Collections may charge the debtor a default fee, this fee will be deducted from money paid in that pay-out period. NZ Collections takes all steps to minimise the number of defaults that occur.

Incorrect information

NZ Collections works based on the information provided by the creditor. The creditor agrees that the information they have provided is accurate. 


Where any overpayment is made and such overpayment is paid out to the creditor, then any consequential refund shall be made direct to the debtor by the creditor. 

Reinstatements of plans

Plan reinstatements on direct debits attract additional time and cost to facilitate. Reinstatements of cancelled direct debits are charged to the debtor.

Repayment plans

NZ Collections reserves the right to work with debtors to set up a repayment plan that fits with the debtors financial means.   

Commission charges

NZ Collections charges 25 % of the debt total. 


GST is the liability of the creditor and charged to the creditor at the time of pay-outs.

Transaction costs

Direct debit transactions from debtors to NZ Collections will incur a $0.60 transaction fee, payable by the debtor.

Court and Tracking Costs

NZ Collections may cover costs such as court filing fees, lawyer’s fees or tracking fees in order to recover a debt. Some or all of these costs may be the liability of the debtor and charged as disbursements by NZC before making pay-outs to the creditor.  

Administration charge

A $5+GST administration charge may apply to all debts at each pay-out. This amount is not charged to the debtor as it is not a fee associated with the collection of the debt, but a fee associated with the cost of paying creditors. It covers administrative work completed during the pay-out process.  

Debt Enforcement

If the debtor is located and they refuse to pay the debt voluntarily, NZ Collections reserves the right to enforce the debt in the District Court.  

Credit history

All debtors are loaded into the Centrix Credit Bureau.

New information

If NZ Collections obtains new information in the course of our duties, NZ Collections will not disclose that information to any person or organisation.

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