What our clients say

FEEDBACK FROM SHIPSHAPE CLIENT

“Honestly Bev, I am so grateful to you and the team for everything.  It was hard, but the time went so quickly and I am glad that I stuck to my guns with everything because now I am completely debt free and it also means that I can now start saving for the future that I want. 

I know 100% that I wouldn't have been able to get this far without you and the teams help, but I know now that I will never want to put myself into a position of being in debt ever again!!

Again, so grateful to everyone at Debtfix and can't wait for a bright future! :)” 

WP, Auckland

Thank you as always for the ongoing advice, support, guidance, and real information.

You and your team are true superstars for people who, consciously or not, end up struggling in debt with no real knowledge of the process, steps to try to amend, and support to make it better. 

LC, Auckland

Mom says you're a miracle worker when it comes to debt consolidation 

RK

I'm so pleased and relieved to be getting this debt under control and sorted once and for all. 

I'd like to say a huge thank you to you and the Debtfix team for all your help and support. It's enabled me to totally get my life back on track! 

Wishing you and the team a restful and Merry Christmas and Happy New year. 

Anonymous, Wellington

I'd like to thank all of the crew at Debtfix, from the bottom of my heart - thank you all! I have never been able to learn the lessons through my working life when it came to managing my finances, and thus I always thought the end result would be a catastrophic disaster for me. But you all have helped me understand myself a lot better, and learn to take control before it's too late. I appreciate all that you have done for me and I am eternally grateful. 

LB, Auckland

Hi Mason 

I don’t really say much in my emails due to being at work so I wanted to reach out to you. 

 You’ve really helped me with all this and just kept my head up knowing there is a way out. My dream is to eventually own a house for my family. 

You are an amazing person 

Anonymous, Nelson

I actually look back and can see how close I was too losing everything, I was in a really dark place, and I actually don't know what would've happened to me if I didn't reach out to you...so.....

Thanks for being there for me!!

And  for being my angel 😇

SM, Auckland

Hi Sharon & team, 

First things first, I would like to thank you for your mind & caring support of me over the past couple of weeks. Just listening makes huge difference for me. Just being able to go Blah about what has been happening is truly appreciated thank you all so much.

JP, Canterbury

Thank you so much for all your help for making me debt free! God bless you and your team for helping people like me.

EB, Auckland

You’ve been amazing. I really appreciate everything you have done for me and continue to do! Your whole team has been fantastic and I thank you all from the bottom of my heart!

SL, Wellington

Keep up the wonderful work you are doing. Thanks also for your ongoing hand-holding and advice through Leeanne. What you are all doing is so appreciated.

It has been a challenging time made easier with the you all being there. I’m so glad WINZ will be introducing more people who you all will help and give hope to. Thank you all.

RF, Bay of Plenty

Thank you Christine and the team for all your help.

You guys made this so easy for us and made sure we were aware of what we were getting ourselves into. Great communication and an AMAZING team.

PE, Auckland

Thank you so much again. I hope you have an amazing Christmas and if I don't hear from you before then, you probably don’t realise but you have made mine and my family’s the best in a long time!

DR, Pukekohe

I wish to extend my sincere gratitude to the staff at Debtfix who worked so hard on my financial situation.

As a result, due to circumstances, my large debt has been written off. This has been a huge relief to me as it was causing me stress and anxiety.

I recommend Debtfix as a first port of call for financial debt advice.

CJ, Lower Hutt

Hi Christine,

I just wanted to take the opportunity to thank you and your team (especially Alisja who has worked closely with me) for the help you have given me to find a way forward out of a stressful and debilitating debt situation.

I guess I had been burying my head in the sand a bit until early this year where I realised that I knew it couldn't go on.  I had never imagined there were options available to me such as the creditors proposal.   Your team have been empathetic and supportive throughout - they have been hugely patient and responsive to my many emails with questions and concerns. 

This process has even opened up a new level of openness in my relationship with my husband as prior to this we hadn't talked about finances and kept them very separate so it was a massive shock to him when I disclosed the true situation.  It could have impacted our relationship terribly but instead it has brought us closer and we even have some shared financial goals for the future now.

I can't express how much of a burden you have helped lift and I am looking forward to a future free of debt and keeping it that way.

I can't thank you enough for everything.

KJ, Porirua

Thank you Alisja, Christine and the rest of the Debtfix team! I am so grateful for the support and assistance...I truly have not felt this kind of relief in years. I will be sleeping well tonight.

DM, Bay of Plenty

Hi Christine,

Not sure if you remember me. 2.5 years ago I was close to bankruptcy. You spoke to my creditors, and helped me through hardship applications. I didn’t eventually take bankruptcy, or a NAP or a SIO. I continue to chip away at my debt, and I continue to refuse to take out more debt. I never want to feel as I did back then. I had $120,000 of debt. I now sit at $47,000.

I’m fortunate to still be employed, and continue to be able to service those debts.

Out of interest I checked a credit simple today. Somehow I have made it in to the “good” bracket. My score is 517. I want you to know how much I appreciate what you did - and with the best will in the world I hope I won’t need that help again. Who knows, given our current uncertain situation. I do, however, consider it a comfort to know I can call on you again if needed.

I’m sure there are many who will be calling upon you in the coming days, weeks and months. They couldn’t be in better hands.

Thank you,

Hannah

Having my debt repayment order in place has helped me so much and relieved so much stress , I feel better knowing that I’m paying something towards my debt as well but unfortunately my debt got to much with every day to day life this makes it so much easier going forward. 

 Thank you again you’ve been super helpful.

JW, Canterbury

We really do like working with you and your team, professional and customer focused.  Thank you for all you do.

Belinda, Auckland Central Budgeting Consultants Inc

We would like to express our heartfelt thanks to the directors of Debtfix for the amazing support and assistance provided to us during the past year, to address the financial matters of our business. 

A special thank you to our personal Debtfix crew member who has been the friendly and supportive voice on the other end of the phone.  She has been an amazing person to deal with, always supportive and very empathetic to our needs.  The journey would have been a lot more challenging without her understanding and patience. 

We would also like to thank Christine Liggins who worked tirelessly behind the scene to negotiate with debtors. For the amazing outcomes and blessings we have received, thank you so much Christine.

Finally, to all the directors and staff of Debtfix, a heartfelt thanks to you all for your support.  Because of all your support we can now focus on getting well and the future looks and feels a lot brighter than it did this time last year.

Anon, Bay of Plenty

I could not have been at a lower point, stressed out due to unpaid debts (marriage break up, health issues, poor financial decisions due to panic), just couldn't see my way out.  Was one click away from filing for bankruptcy, then was asked to contact a financial advisor before proceeding.  I had a choice of three in my area, Christine and her team just sounded like the right one for me.  

Since going through this process I feel like I am in control of my life once again, I don't feel like a bad person, my health is so much better, I sleep well at night, I am happy!  It will be hard going through this process but I could not feel more supported by Christine and her team, thank you from the bottom of my heart for giving me my life back.

TC, Auckland

I would like to thank Christine and her team for the support that was given to me while I was applying for my SIO and once being accepted that the rest of the procedure was taken off my hands and dealt with by the team. This took so much stress off me to be able to continue with living a normal life again.

KB, Auckland

During the time when the debt was unbearable, I felt helpless and didn't want to tell anybody. I blamed myself that I got into this situation. People would judge me and it was so shameful too.

Until I searched the internet and saw Christine's feedback. so I rang. At this point, I could turn to family for help but I really needed some support and guidance legally from someone of experience who deals with debts. I was at a point in my life where I was at breaking point, sinking deep and people were demanding money to pay up.

I owe so much to Christine and the team for their support. They didn't judge me at all. Christine has patiently worked with me to manage my debts. I owe my life to Christine for her non-judgemental, friendly and honest service. Not only did she manage my debts but she is a friend who supports and listens to your troubles. I feel in control now of my money and have no stress. The future ahead is much brighter. Christine provides advice for a prosperous and happy future I would definitely recommend Christine and her team for their support and understanding.  

Christine, you are an angel sent from heaven!

ET, Auckland

I would like to say a huge thank you to Simply Budget/Debtfix. After almost 6 years, we are debt free. There is no way we could've done it on our own. We've approached Simply Budget in 2013 when our circumstances have changed. Another company told us that Bankruptcy would be our only option, but Christine gave us another option. It was a tough few years, but definitely worth it in the end. She was so understanding and we never felt judged. I would highly recommend them.

LV, Tauranga

Comment from a Financial Mentor:

It’s been awesome working with you + having a laugh Christine! 😊 You’ve provided a great service to the sector in your work around debt reduction for clients, as an assignee and now with your team at Debtfix. Blessings to you in your future mahi.

AV, Otahuhu

I can recall the days of people calling and knocking on my door demanding money. Then I discovered the SIO and Christine. In the beginning we discussed everything and made it easy for me to understand. Right from day one Christine was 100% supportive and encouraging. Christine and her team was always available throughout when I needed her and even till the last day when she was the one to let me know I had finished paying. Thank you Christine for you time, encouragement and support over the last few years.

Very Relieved and thankful, Half Moon Bay

Thank you again for all the help and the non-judgemental service I have received, the stress levels I have been under have dropped dramatically over the last week, knowing that I can breathe again is wonderful.  I found myself in such a dark place in so many ways and the financial burden, brought on by stupid decisions and mistakes made on my part, certainly did not help.  Even though I am by no means going to be flush with money any time soon, the fact that it is manageable is the biggest thing for me.  I can see the bright side of life wanting to shine again.

Stressed out, Lower Hutt

Over the first 15 years of my commercial life I was very successful working with some well-known organisations. However, I was so bored and hungry to improve on this success and find a new challenge set out to find new opportunities.

I was introduced to an idea that could revolutionise an industry and upset one of the last remaining commercial monopolies in Australasia. This was what I was looking for! In hindsight we were undercapitalised and didn’t have the right people or tools in place BUT we backed ourselves and went for it anyway.

2 years on with all of my own money sunk and costs to revenue upside down the wheels came off and I found myself holding the bag for the lot. This was new territory for me and without a plan in place I quickly found myself spiralling emotionally and mentally flip flopping between ‘how did I let this happen’ to ‘how do I fix this’?

When I wasn’t dealing with creditors or speaking with a counsellor obsessing about the past, I was researching how to navigate forward to sort this out. Considering I had no remaining money or assets at my disposal, bankruptcy looked to be inevitable and with a major bank on the creditors list only a matter of time.

Although a seemingly impossible situation to overcome I absolutely hated the thought of bankruptcy in part because I thought my commercial life would be ruined forever but primarily because my creditors and supporters including small businesses, family and friends would never see their money back.

This was until I was introduced to Christine Liggins at Simply Budget. Christine talked about options that could keep me out of bankruptcy and ensure that all of the creditors received something back.

The experience was difficult and took a toll on all stakeholders involved BUT Christine managed the entire process and the outcome was worth it and kept me out of bankruptcy and ensured that all of the creditors received a portion of funds back. Before you start a new business or end up in a situation like mine, call Christine for no bullshit advice. Don’t wait, do it today.

PR, Auckland

Christine has been great in helping me with my financial difficulties due to health and other expenses. Christine gave me many options to take including budgeting, options via WINZ and other options including any insurance policies and ACC before I chose the option to go via insolvency.

After speaking to Christine she recommended to not go for bankruptcy but to do a non asset procedure which was a great idea as it gave more flexibility in the future. It lasts for a year and also if my financial situation got better I had the option of an SIO.

AC, New Zealand

We had borrowed heavily for a new business venture and found within a very short time that we had significantly over committed ourselves financially. The ongoing stress caused a huge strain on me and my family and after 18 months of constant worry and many sleepless nights and after exhausting what we had thought at the time was every option available to us we were done, mentally, physically and financially.

It was at this time that we came across an article on 'Stuff' NZ written about Christine Liggins and the services that she offered. We made contact with Christine and within a very short time she had completely sorted our financial worries and changed our lives completely.

Thank you Christine so very much for your professionalism, your understanding and support. We are truly grateful for all that you have done.

SR, Kaiapoi

I would like to compliment Christine Liggins my SIO supervisor. She has been nothing but helpful, accommodating and just available for me during the most stressful times. I would highly recommend her to anyone else who lives in Auckland. Thank you so much; and to Christine I appreciate everything you truly are amazing.

SG, Auckland