What we do

We deliver a range of free, confidential services to families and individuals, either in your home or at locations in Warkworth and Wellsford.

Feel like it’s time to make changes to your financial situation and you need help to achieve your goals?

We can help with a range of services:

  • One on one budget advice and support
  • Negotiation with creditors
  • Work and Income issues
  • Restructuring of debt
  • No Asset Procedures and Summary Instalment Orders to avoid bankruptcy
  • Group presentations

Free Budget Advice in Warkworth

Come to our freeĀ  drop in clinic at MSD Offices WInscombe Mall. A budget adviser is available on Tuesdays from 10am to 12pm. Either make an appointment by calling 09 423 7123 or call in to the office to talk to an adviser about your queries.

How we help

One on one budget advice and support

Your budget adviser will meet with you to go over your income and expenses and create a budget for you. This can either be for your personal use, or to take to your next WINZ appointment or to use in negotiations with creditors.

Negotiation with creditors

Your adviser will work with you to negotiate more affordable repayment schedules with creditors. They will create a debt schedule giving priority to debts which need to be paid off first.

Work and income issues

Your adviser can attend WINZ appointments with you and seek clarification on any questions you have regarding your entitlements and help negotiate for a more affordable repayment plan for your WINZ debt.

Restructuring of debt

Your adviser will work with you to restructure your debt and, if necessary, apply for a No Asset Procedure or a Summary Instalment Order.

What are No Asset Procedures and Summary Instalment Orders?

Your adviser will work with you to determine if your should apply for a No Asset Procedure (NAP) or a Summary Instalment Order (SIO). If you owe less than $47,000 and can repay some of this debt then an SIO is the likely outcome. If you owe between $1,000 and $47,000, cannot repay any of the debt and have no realisable assets you can apply for a NAP. Your adviser will guide you in this as there are consequences of both of these procedures.

Group presentations

If you belong to a group and would like budgeting advice call our office and ask for an adviser to attend a group meeting and give a presentation.