Contact us if you would like more information or have a question.
Where can I get help?
For some people, keeping on top of finances and making repayments is sometimes not enough to get on top of unmanageable debt. High interest loans, penalties and changes can all affect your ability to make repayments.
Debt can cause significant stress to a person, whānau and community. Insolvency can stop debt from growing and help people get back on their feet.
Insolvency has long-term effects. While it might be a necessary option, there are steps to try beforehand.
Talk to a free financial mentor
Talk to a free financial mentor. They can help explore financial options and create a budget. The mentor can also speak to lenders, debt collectors, and others, and also help to contact the lender or talk to the lender on your behalf. Often, just talking to someone can make a positive difference.
Find a local financial mentor(external link) — MoneyTalks website
Understand the insolvency options
If you have found yourself in a situation where you are unable to repay your debts as they become due, use our online tool to help you work out which insolvency option you can apply for:
Seeking assistance from a financial mentor before you apply will help you understand the options available to you.
If you are ready to apply now, start your application online:
We are open between 8.30am - 5.00pm, Monday to Friday (excluding public holidays).
Free within New Zealand
Free from Australia
Language or hearing difficulties?
If English isn’t your first language let us know when you call and we’ll use our interpreting service. All we need to know is the language you want to use, you then hold on the line while we connect you with an interpreter.
If you have hearing difficulties, a video relay service is available.
Insolvency and Trustee Service
Private Bag 4714
Please direct all media queries to the Ministry of Business, Innovation and Employment (MBIE) media team at: email@example.com
If you are speaking to one of our Advisors about an issue with one of our online services, they might ask you if they can view your screen to see what's going on.
We use a program called GoToAssist, which provides a secure connection to your computer so we can view your screen.
Our Advisors can use this tool to see what you see and help you fix any problem. If they can’t help, they can take a screenshot to show our technical support team. This usually makes it faster to solve the problem.
The Client Service Advisor will ask your permission to share your screen and they will explain how to do this.
The GoToAssist software is a temporary download. Once our Advisor has disconnected, the download removes itself from your computer.