Pricing that works for you

Recovering your debt could cost you nothing!

The only cost to you is the $39 + gst set-up fee. But we do everything in our power to get the creditor to pay the set-up fee as part of their debt payment, meaning you can collect your debts free of charge.

You pay

"The Creditor"

Easy online payment $39 plus gst

In many cases this is refunded to you once the debtor pays.

They pay

"The Debtor"

Total debt owed

Commission of 23% plus gst on top

Admin fee $49 plus gst

Set up fee $39 plus gst

What do you charge for debt collection?

We have a set-up fee of $39 plus GST per debt. Our commission is 23% plus GST on any debts collected. We operate on a No Collection, No Commission basis. 

What area do you collect debts in?

We collect debts anywhere in New Zealand. 

Are there any upfront fees or sign up charge?

Only the $39 plus GST set up fee, which is payable by card on our website.

Do I need to sign a contract?

We ask you to agree to our Terms & Conditions. These can be viewed here Terms & Conditions. Once a debt is loaded in the system and payment has taken place, this is deemed as acceptance for Guardian Credit to pursue your debt.

Ready to collect your debt