Debt priority ranker

List your debts and see which to protect, which to arrange a plan for, and which to negotiate, with a next step for each and formal options if needed.

Private. Nothing you enter is saved or sent.

Your debts

Name
Type
Total owing
Minimum due each week

What you can put towards debts each week

After your essential costs: rent, food, power, transport.

Add a debt with an amount owing to see which to deal with first.

General guidance, not financial advice. Free, confidential help: MoneyTalks 0800 345 123 (text 4029), Citizens Advice 0800 367 222. Consumer credit lenders must consider a hardship request, and cannot raise your interest rate for agreeing to one.

Sources: Debt Repayment Orders, No Asset Procedure, Lender hardship (FMA)

General information only. Confirm with the agency for your situation. Spotted something out of date? Email help@unemployed.nz.

Read the guide

Managing debt after job loss: priorities, debt collectors and your optionsHow to rank your debts, deal with debt collectors, avoid consolidation traps, and understand the No Asset Procedure and credit reporting in NZ.

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