What our clients say

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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