Got a question about how we can help you manage your debt? Check our our FAQ below.
Who are DebtManagers?
DebtManagers is a New Zealand debt purchasing company. We work nationwide with New Zealand-based staff. We buy certain overdue debts from companies and then work with you to agree an affordable repayment plan that suits your needs. We don’t charge fees or excessive interest, and we put people first. We have operated for more than 30 years, and as DebtManagers since 2020.
Ko wai a DebtManagers?
He kamupene hoko nama nō Aotearoa. Ka hoko mātou i ētahi nama tōmuri, ā, ka whakarite mahere utu e hāngai ana ki ō hiahia. Kāore he utu tāpiri, he rata nui rānei.
O ai le DebtManagers?
O se kamupani fa'atau aitalafu i Niu Sila; matou te fa'atau aitalafu ua tuai ma galulue ma oe e fai ai fuafuaga e gafatia; e leai ni pili po'o tului maualuga.
Ko hai 'a e DebtManagers?
Ko ha kautaha fakatau 'o e 'ai tali 'i Nu'u Sila. 'Oku mau fakatau e ni'ihi 'o e 'ai tali ta'ema'u pea fokotu'u ha fuofua totongi 'oku fe'unga; 'ikai ke mau tanaki totongi pe hingoa ma'olunga.
O cei na DebtManagers?
Keitou kabani volivolitaki dinau e Niuseiladi; keitou volia e so na dinau sa bera ni saumi ka cakacaka vata kei iko me vakarautaka e dua na ituvatuva sausaumi e donu. Keitou sega ni vakacuruma na isau ni kumuni dinau se tubu levu.
Ko ai a DebtManagers?
E kamupani ‘oko nama nō Aotearoa. Ka ‘oko mātou i te au nama tōmuri e ka ‘akatū i tētahi tere totou tau. Kare e tāpiri ‘uipā e te ‘īnia tiketike.
DebtManagers कौन हैं?
DebtManagers न्यूज़ीलैंड की ऋण‑खरीद कंपनी है; पूरे देश में काम करती है। हम कुछ बकाया ऋण खरीदकर आपके साथ किफ़ायती, उपयुक्त किस्त‑योजना तय करते हैं; कोई फ़ीस/अत्यधिक ब्याज नहीं। 30+ वर्षों का अनुभव (2020 से DebtManagers नाम)।
DebtManagers 是谁？
DebtManagers 是新西兰的债务购买公司，在全国运营，由本地员工服务。我们从企业购买部分逾期债务，并与您制定可负担的还款计划；不收取费用或过高利息。我们已运营30+年，2020年起使用“DebtManagers”。
من هي شركة DebtManagers؟
نحن شركة نيوزيلندية لشراء الديون—نشتري بعض الديون المتأخرة ونتفق معك على خطة سداد ميسورة؛ بلا رسوم تحصيل أو فوائد مفرطة. نعمل منذ أكثر من 30 عاماً (وباسم DebtManagers منذ 2020).
DebtManagers là ai?
Công ty mua nợ tại New Zealand; hoạt động toàn quốc; mua nợ quá hạn và cùng bạn lập kế hoạch phù hợp; không thu phí/lãi cao; hơn 30 năm hoạt động (từ 2020 dùng tên DebtManagers).
Why do I owe DebtManagers money?
You owe money to another company, who has now assigned that debt to DebtManagers because it hasn't been paid back in full. We work with people who have bad debt to help them pay it off with fair repayment plans, help get their credit score sorted, and get them back on their feet.
He aha au i whai nama ai ki a DebtManagers?
I whakawhitia tō nama e tētahi atu kamupene ki a DebtManagers i te mea kāore anō kia utua katoatia.
Aiseā ua iai la'u aitalafu i le DebtManagers?
Sa e aitalafu i se isi kamupani ma ua tu'uina mai le aitalafu i le DebtManagers ona e le'i totogia atoa.
Ko e hā 'a e 'uhinga kuo 'i ai ha'aku 'ai tali 'i he DebtManagers?
Na'e tuku 'e ha kautaha kehe 'a e 'ai tali kiate kimautolu he 'oku 'ikai ke totongi kakato.
Na cava meu dinau kina vei DebtManagers?
A soli vei DebtManagers e dua na nomu dinau mai vua e dua tale na kabani ni se bera ni saumi taucoko.
Eaa i rauka ai iaku te nama ki a DebtManagers?
Kua tukuia to‘ou nama e tētahi kamupani kē ki a DebtManagers no te mea kare anō kia totou katoatoa.
मैं DebtManagers का पैसा क्यों देता/देती हूँ?
आप किसी और कंपनी के देनदार थे/थीं; उसने यह ऋण DebtManagers को सौंप दिया क्योंकि पूरा नहीं चुका। हम निष्पक्ष योजनाओं से कर्ज़ चुकाने व क्रेडिट सुधारने में मदद करते हैं।
为什么我会欠 DebtManagers 的钱？
您原本欠另一家公司，该公司把债权转让给 DebtManagers，因为尚未全额偿还。我们用公平的计划帮助您还清并整理信用。
لماذا أدين لـ DebtManagers؟
كنت مديناً لشركة أخرى ونقلت الدين إلينا لعدم سداده بالكامل؛ نساعد بخطط عادلة وترتيب السجل الائتماني.
Vì sao tôi nợ DebtManagers?
Bạn nợ một công ty khác; khoản nợ được chuyển cho DebtManagers vì chưa thanh toán đủ; chúng tôi giúp trả nợ công bằng và sắp xếp tín dụng.
Is DebtManagers legit or a scam?
We are a legitimate NZ company. We will never ask for your online banking password or card PIN. If you’re unsure about a message, we encourage you to call our customer service team on 0800 683 738 to check it’s really us.
He kamupene tūturu mātou, he maminga rānei?
He kamupene ture mātou. Kāore mātou e tono i tō kupuhipa pēke, i tō PIN hoki. Mēnā he rangirua, waea 0800 683 738.
E moni pe o se scam?
O matou o se kamupani fa'aletulafono i NZ; e le matou fesili mo lau password/PIN; vala'au 0800 683 738 pe a masalosalo.
Ko e mo'oni 'a e DebtManagers pe kākā?
'Oku mau kautaha totonu 'i NZ; 'ikai ha kole password/PIN. Kapau 'oku 'i ai ha fehu'i, telefoni 0800 683 738.
E dina na DebtManagers se lasu?
Keitou kabani dina e NZ; keitou sega ni kerea na password ni internet banking se na PIN. Kevaka e tiko na leqa ni vakasama, qiri 0800 683 738 me vakadeitaki.
E tika‘i ainei a DebtManagers me kore e ‘au‘a?
E kamupani ture mātou. Kare mātou e pati i te password me te PIN. Me rangirua, karanga 0800 683 738.
क्या DebtManagers असली है या धोखा?
हम वैध NZ कंपनी हैं; कभी पासवर्ड/कार्ड PIN नहीं माँगते। शंका हो तो 0800 683 738 पर कॉल करें।
DebtManagers 是正规公司还是骗局？
我们是新西兰合法公司，绝不会索要网银密码或卡PIN。如有疑虑请拨打 0800 683 738
هل أنتم شرعيون أم احتيال؟
نحن شركة قانونية في نيوزيلندا ولا نطلب كلمة مرور/PIN؛ اتصل 0800 683 738 إن ساورك الشك.
DebtManagers hợp pháp hay lừa đảo?
Doanh nghiệp hợp pháp ở NZ; không bao giờ yêu cầu mật khẩu/PIN; nghi ngờ thì gọi 0800 683 738.
Do you add fees or extra costs?
We don’t add fees like collection costs or excessive interest, because that can trap people in a downward cycle of bad debt. We want to help people get their debts sorted and get back on their feet. Our approach is more socially responsible and it’s better for everyone involved.
He utu tāpiri ā koutou?
Kāo. Kāore mātou e tāpiri utu kohikohi, e rata nui rānei.
E i ai ni pili faaopoopo?
Leai; e leai ni pili aoina po'o tului maualuga.
'Oku 'i ai ha totongi tanaki?
'Ikai; 'ikai te mau tanaki 'a e totongi aoina pe hingoa ma'olunga.
E tiko na isau e vakacurumi?
Sega; keitou sega ni vakacuruma na isau ni kumuni dinau se na tubu levu.
E tāpiri utu ainei?
Kare. Kare mātou e tāpiri i te ‘uipā ‘akamāuiui e te ‘īnia rava‘au.
क्या आप शुल्क/अतिरिक्त लागत जोड़ते हैं?
नहीं—न संग्रह‑शुल्क, न अत्यधिक ब्याज; ऐसा करना लोगों को बुरे कर्ज़ में फँसा देता है।
你们会加收费用或额外成本吗？
不会。我们不加收催收费或过高利息，以免让人陷入坏账循环。
هل تضيفون رسوماً إضافية؟
لا—لا رسوم تحصيل ولا فوائد مبالغ فيها.
Có thu phí hay chi phí nào không?
Không—không phí thu hồi, không lãi suất quá cao.
How do I pay the debt back?
Login to our portal to set a weekly or fortnightly plan that fits your budget or use our payment form. You can also pay in full. We’ll email a confirmation.
Me pēhea te utu?
Takiuru ki te tomokanga ki te whakarite mahere ā‑wiki, ā‑rua wiki rānei, ā, ka taea te utu kotahi. Ka tukuna he īmēra whakamana.
E fa'apefea ona totogi?
Ulufale i le portal e seti ai se fuafuaga i vaiaso ta'itasi/ta'i lua vaiaso, pe totogi atoa; o le a matou imeliina se fa'amaoniga.
Fēfē hono totongi?
Hu ki he portal ke fokotu'u ha fuofua 'o e uike pe uike 'e ua pe totongi kakato; te mau 'ave ha 'imeili fakapapau'i.
Au na sauma vakacava?
Curuma na neitou portal mo teivaka e dua na ituvatuva ni veimacawa/veimacawa rua e veiganiti kei na nomu lavo, se sauma taucoko; keitou na imeli taka na ivakadei.
Eaa te mataara totou?
Taka‘uru ki te portal kia ‘akatū i te totou ā‑vaiaso/ā‑vaiaso rua, me kore totou katoatoa; ka ‘imeli mātou i te ‘akakite‘anga.
भुगतान कैसे करूँ?
पोर्टल में लॉगिन कर साप्ताहिक/पखवाड़े की योजना सेट करें या एकमुश्त भुगतान करें; ईमेल से पुष्टि मिलेगी।
我该如何还款？
登录门户设置每周/每两周计划或使用付款表；也可一次性付清，我们将邮件确认。
كيف أسدد؟
سجّل الدخول لإعداد خطة أسبوعية/نصف شهرية أو ادفع دفعة واحدة؛ سنرسل تأكيداً بالبريد الإلكتروني.
Thanh toán thế nào?
Đăng nhập cổng thông tin để lập kế hoạch tuần/2 tuần hoặc trả một lần; chúng tôi sẽ email xác nhận.
Can I set a payment plan up online?
Yes. Log in to our portal or go to our payment form, enter your details, and choose an amount you can afford. You can change your plan later if your situation changes.
Ka taea te mahere ipurangi?
Āe. Whakauru kōrero, tīpako i te moni ka taea e koe; ka taea te whakarerekē ā muri ake.
E mafai ona seti le fuafuaga i luga ole initaneti?
Ioe; fa'atumu fa'amatalaga ma filifili le aofa'i e gafatia; e mafai ona suia mulimuli ane.
Te u lava 'o fokotu'u 'i he 'initaneti?
'Io; hu, fakafonu ho'o fakamatala pea fili 'a e aofa'i 'oku ke lava ai; 'e lava ke liliu 'i he kaha'u.
E rawa niu teivaka ena initaneti?
Io; vakacuruma na itukutuku, digitaka na ilavo o rawa mo sauma; e rawa ni veisautaka e muri kevaka e veisau na ituvaki.
Ka rauka iaku te ‘akatū i runga ipurangi?
Āe. Tomo atu, ‘akakite i ā‘au kōrero e tīpako i te moni ka rauka; ka rauka te taui i muri mai.
क्या ऑनलाइन योजना बना सकता/सकती हूँ?
हाँ; विवरण भरें और वह राशि चुनें जो आप वहन कर सकें; बाद में बदल भी सकते हैं।
我可以在网上设置还款计划吗？
可以。登录或用表单，填写信息并选择可负担的金额；情况变化时可调整。
هل أستطيع إعداد الخطة عبر الإنترنت؟
نعم؛ أدخل بياناتك واختر مبلغاً يمكنك تحمله—ويمكن تعديلها لاحقاً.
Có thể tự lập kế hoạch online?
Có; nhập thông tin, chọn số tiền có thể chi trả; về sau có thể chỉnh sửa.
Can you give me proof I owe this debt?
Yes. Just get in touch to ask us and we can provide the documents about your debt.
Ka taea e koutou te tuku taunaki mō te nama?
Āe. Whakapā mai—ka tukuna ngā tuhinga e hāngai ana.
E mafai ona tu'uina mai le fa'amaoniga o le aitalafu?
Ioe; fa'afeso'ota'i matou mo pepa talafeagai.
Te mou lava 'o foaki ha fakamo'oni?
'Io; fetu'utaki mai ke mau foaki 'a e tohi totonu 'o e 'ai tali.
Dou rawa ni solia na ivakadinadina ni dinau?
Io; veitaratara mai me keitou vakarautaka na ivola e dodonu me baleta na nomu dinau.
Ka rauka te tuatua ‘akakite no te nama?
Āe. Pātai mai ka oronga mātou i te au tuhinga e piri ana.
क्या आप साबित कर सकते हैं कि यह ऋण मेरा है?
हाँ; संपर्क करें—हम संबंधित दस्तावेज़ देंगे।
你们能提供我欠款的证明吗？
可以。联系到我们即可获取相关文件。
هل تقدّمون دليلاً على الدين؟
نعم؛ تواصل معنا لنزوّدك بالمستندات ذات الصلة.
Có thể cung cấp bằng chứng khoản nợ?
Có; liên hệ để nhận tài liệu liên quan.
What if I don’t think I owe this money?
Tell us you want to dispute it. Say what seems wrong (for example: the amount, identity). We’ll investigate and update you. We pause our activity while we check, where appropriate.
Ki te whakaaro au ehara tēnei i taku nama?
Whakamōhiotia mai tō whakahē me ngā wāhanga hē. Ka tirohia e mātou, ā, ka whakatārewa ngā mahi i te wā e arotakengia ana.
Ae afai e le o a'u lenei aitalafu?
Ta'u mai lou finauga ma mea e sese; matou te su'esu'e ma fa'asa o gaioiga pe a talafeagai.
Kapau 'oku ou manatu 'oku 'ikai ko hoku 'ai tali?
Fakailoa 'a e finangalo ke 'ikai tali mo e feitu'u 'oku hala ai; te mau sivi pea fakata'e'a 'a e ngāue 'i he taimi sivi.
Keu nanuma ni sega ni noqu dinau?
Tukuna mai ni o via veileti ka vakaraitaka na ka e cala (me vaka na ilavo se idini); keitou na dikeva ka rawa ni tauri sobu na cakacaka ni dikevi.
Me ‘akarongo au e, kare tēia e taku nama?
‘Akakite mai i tō ‘akapapa‘anga e te mea e kanga; ka kimi mātou e ka ‘akakite atu, e ka ‘akatārewa i te ora‘anga mē ka tau.
अगर मुझे लगता है कि यह मेरा ऋण नहीं है तो?
हमें बताइए कि आप विवाद करना चाहते हैं और कहाँ त्रुटि दिखती है (राशि/पहचान); हम जाँचेंगे और उपयुक्त होने पर कार्यवाही रोकेंगे।
如果我认为这笔钱不是我该付的？
告诉我们您要提出异议，并说明疑点（如金额、身份）。我们会调查并在审查时酌情暂停行动。
إن ظننت أن الدين ليس لي؟
أبلغنا برغبتك بالاعتراض وحدّد مواضع الخطأ؛ نحقّق ونوقف الإجراءات أثناء المراجعة عند الاقتضاء.
Nếu tôi nghĩ khoản nợ này không phải của tôi?
Báo cho chúng tôi bạn muốn khiếu nại và nêu điểm sai; chúng tôi sẽ kiểm tra và có thể tạm dừng xử lý khi xem xét.
What if I don't think I can afford to pay it back?
We don’t add fees or excessive interest and we don’t have a minimum repayment. Tell us what you can afford. If you’re experiencing hardship, talk to us and we may adjust or pause your plan.
Ki te kore au e taea te utu?
Kōrerotia mai te moni e taea ana. Mēnā kei te uaua, ka taea te whakaiti, te huri rā, te whakatārewa hoki.
Afai e le mafai ona ou gafatia?
Ta'u mai le aofa'i e mafai ona e totogi; pe a pagatia, e mafai ona fa'aitiitia, suia aso, pe taofia le fuafuaga.
Kapau 'oku 'ikai ke lava 'e au 'o totongi?
Talanoa mai ki he aofa'i 'oku ke lava ai; kapau 'oku faingata'a, te mau fakasi'isi'i pe liliu 'aho pe ta'ofi 'a e fuofua.
Keu sega ni rawata ni sauma?
Tukuna mai na levu o rawa mo sauma; kevaka o sotava na bolebole, keitou rawa ni vakalailaitaka na ilavo, veisautaka na siga se tarova mada na ituvatuva.
Me kare e rauka iaku te totou?
‘Akakite mai i te aiteanga ka rauka ia koe; me no‘o koe i te tū kino ka rauka i a mātou te ‘aiti, te taui rā, me te ‘akatārewa i te tere.
अगर मैं वहन नहीं कर पाता/पाती?
हम फ़ीस/ऊँचा ब्याज नहीं जोड़ते और कोई न्यूनतम किस्त नहीं है; जितना दे सकें बताइए—कठिनाई हो तो राशि/तारीख बदली या योजना रोकी जा सकती है।
如果我负担不起？
我们不收费用/高息，也没有最低还款。告诉我们您能负担的金额；遇到困难可下调、改期或暂停。
إن لم أستطع الدفع؟
أخبرنا بما يمكنك دفعه؛ عند الضائقة نقلّل المبالغ/نغيّر المواعيد/نوقف الخطة مؤقتاً.
Nếu tôi không đủ khả năng?
Không có phí/lãi cao hay mức tối thiểu; hãy cho biết bạn có thể trả bao nhiêu; khó khăn thì giảm/sửa ngày hoặc tạm dừng.
I’m nervous to contact you, who else can help?
You can get free, independent help from a financial mentor. MoneyTalks or DebtFix can help or connect you with a local service. We also have a list of financial mentors on our website. A financial mentor can also talk with us on your behalf.
Kāore au e māia ki te whakapā—mā wai au e āwhina?
He āwhina kore utu ā ngā kaitohutohu pūtea pērā i a MoneyTalks me DebtFix; kei tō mātou paetukutuku te rārangi.
O ai e mafai ona fesoasoani?
E i ai faufautua tau tupe fua e pei o MoneyTalks ma DebtFix; o lo'o iai se lisi i la matou 'upega tafa'ilagi.
Ko hai 'e tokoni?
Kau faufautua pa'anga ta'etotongi hange ko MoneyTalks mo DebtFix; 'i he saiti 'oku 'i ai ha lisi, pea 'e lava 'enau fetu'utaki 'i ho'ó vā.
O cei tale me rawa ni vukei au?
Tiko na veivuke galala mai vei ira na financial mentors me vaka na MoneyTalks kei DebtFix; e tiko na lisi ena webisite ka rawa ni ra veitaratara ena nomu vukumu.
Ko ai ka tauturu?
E tauturu kore‑utu te MoneyTalks e DebtFix; e rārangi to tō mātou paetukutuku, e ka rauka kia rātou te kōrero nō‘ou.
मैं संपर्क करने में झिझक रहा/रही हूँ—और कौन मदद कर सकता है?
MoneyTalks, DebtFix जैसे मुफ़्त स्वतंत्र फ़ाइनेंशियल मेंटर मदद कर सकते हैं; वे आपकी ओर से भी बात कर सकते हैं।
我不敢联系你们，还有谁能帮？
可向财务导师寻求免费、独立帮助（如 MoneyTalks、DebtFix）；他们也可代表您与我们沟通。
متردد بالتواصل—من يساعدني؟
مرشدون ماليون مجانيون مستقلون مثل MoneyTalks وDebtFix؛ يمكنهم أيضاً التحدّث معنا نيابةً عنك.
Ngại liên hệ—ai giúp được?
Có cố vấn tài chính miễn phí, độc lập như MoneyTalks/ DebtFix; họ có thể đại diện bạn liên hệ.
Are the financial mentoring services free?
Yes. Financial mentoring services listed on our site are free, and we have an in-house Wellness and Vulnerability Manager who can help you at no cost.
He kore utu ngā ratonga kaitohutohu pūtea?
Āe, he kore utu. He kaiwhakahaere Oranga me te Ngoikore ā‑roto hoki tō mātou.
E fua le fautuaga tau tupe?
Ioe; ma e iai le matou pule i le soifua manuia/vaivai e fesoasoani fua.
Ta'etotongi 'a e ngāue faufautua?
'Io; pea 'oku 'i ai ha pule ki he mo'ui lelei/mo'ulalo 'i loto 'i he kautaha.
E galala na veiqaravi ni mentor?
Io; na veiqaravi e lisi ena neitou webisite e galala; e tiko talega e dua na neitou Wellness & Vulnerability Manager me vukea wale tu ga.
E kore‑utu ainei te mentoring?
Āe—kore utu; e iai tō mātou kaiwhakahaere ora/ngoikore ā‑roto.
क्या मेंटरिंग सेवाएँ मुफ़्त हैं?
हाँ; हमारी साइट पर सूचीबद्ध सेवाएँ निःशुल्क हैं; हमारे पास इन‑हाउस वेलनेस/वulnerabilty मैनेजर भी है।
财务指导是免费的吗？
是的；我们网站列出的服务免费。我们还有内部“健康与脆弱性”经理可免费支持。
هل الإرشاد المالي مجاني؟
نعم، والخدمات المدرجة في موقعنا مجانية؛ ولدينا مدير للرفاهية والهشاشة لدعم مجاني.
Dịch vụ cố vấn có miễn phí?
Có; và có Quản lý Phúc lợi & Dễ tổn thương hỗ trợ miễn phí.
Do I have to pay if I’m in real financial hardship?
Talk to us early. We can set smaller payments, change dates, or pause your plan. We have a hardship process and will work with you and your mentor if you have one.
Me utu tonu ahakoa kei te taumaha te āhuatanga pūtea?
Kōrerotia wawe. Ka taea ngā utu iti ake, te huri rā, te whakatārewa i te mahere. He tukanga uaua ā mātou.
Afai o lo'o i ai le faigatā moni?
Talanoa vave; e mafai ona fai totogi laiti, suia aso, po'o taofia le fuafuaga.
Kapau 'oku 'i ai ha faingata'a lahi?
Talanoa vave; te mau lava 'o fakasi'isi'i 'a e totongi, liliu 'aho, pe ta'ofi 'a e fuofua.
Keu sotava na bolebole dina?
Veitalanoa totolo; keitou rawa ni vakalailaitaka na itotogi, veisautaka na siga, se tarova na ituvatuva; e tu na neitou iwalewale ni hardship.
Me ‘aka‘o‘onu au i te moni—ka anoanoia au kia totou?
Tuatua vave mai. Ka rauka i a mātou te iti‘iti, te taui rā, me te ‘akatārewa.
कठिन परिस्थिति (hardship) में क्या फिर भी भुगतान ज़रूरी है?
जल्दी बात करें; हम छोटी किस्तें, तारीख़‑बदल, या अस्थायी विराम दे सकते हैं; हमारे पास प्रक्रिया है और हम (आवश्यक हो तो) मेंटर के साथ काम करेंगे।
如果我处于严重经济困难？
请尽早联系。我们可把还款调小、改期或暂停；我们有困难流程，会与您及导师配合。
هل يجب أن أدفع مع ضائقة حقيقية؟
تحدّث معنا مبكراً؛ نستطيع تقليل الدفعات أو تغيير التواريخ أو إيقاف الخطة مؤقتاً وفق إجراء hardship.
Nếu thật sự khó khăn?
Trao đổi sớm; có thể đặt mức trả nhỏ, đổi ngày, hoặc tạm dừng; có quy trình hỗ trợ khó khăn và phối hợp với bạn/ cố vấn.
I’ve got a new debt with DebtManagers, can I combine it with what I’m already paying?
Often, yes. If we hold more than one debt for you, we can usually combine them so you make a single payment. Sometimes this isn’t possible. Ask us and we’ll explain your options.
Kua tāpiri mai he nama hou—ka taea te whakakotahi?
I te nuinga, āe, mēnā he maha ngā nama kei a mātou mōu. I ētahi wā kāore—pātai mai.
E mafai ona tu'ufa'atasia le aitalafu fou ma le aitalafu o lo'o i ai?
E masani lava, ioe—pe a tele aitalafu o lo'o umia e matou; a ētahi taimi e lē mafai—o le a matou fa'amatala filifiliga.
Te u lava 'o fakataha'i 'eku 'ai tali fo'ou mo e 'oku 'i ai?
I he lahi 'o e taimi, 'io—kapau 'oku to e ni'ihi 'o e 'ai tali 'iate kimautolu; ka 'oku 'i ai 'a e taimi te 'ikai lava; fesili mai.
E dua na dinau vou—e rawa ni veisotaritaki?
E vuqa na gauna, io—kevaka e levu na dinau keitou taukena me nomu; eso na gauna e sega ni rawa—keitou na vakamacalataka na digidigi.
Kua ‘aere mai e tētahi nama ou—ka rauka te ‘akakotou?
Te maata‘anga, ‘āe mē nō mātou e manganui ‘a‘au nama; me kare e rauka, ka ‘akamarama mātou i te kōwhiringa.
मेरे पास नया ऋण है—क्या पुराने के साथ जोड़ सकते हैं?
अक्सर हाँ—यदि हमारे पास आपके एक से अधिक ऋण हैं; कभी‑कभी संभव नहीं—हम विकल्प समझाएँगे।
新增一笔 DebtManagers 的债，可以和现有的合并吗？
通常可以：若我们为您持有多笔债务，往往可合并成一次付款；不行时会解释选项。
دين جديد—أيمكن دمجه بالقائم؟
غالباً نعم إذا احتفظنا بأكثر من دين لك؛ أحياناً لا—سنشرح الخيارات.
Có thể gộp khoản nợ mới với khoản đang trả?
Thường là có nếu chúng tôi giữ nhiều khoản nợ của bạn; đôi khi không—chúng tôi sẽ giải thích.
Can I change or pause my plan later?
Yes. Contact us if your situation changes. We can adjust dates or amounts or pause when needed.
Ka taea e au te hakarerekē/whakatārewa i muri mai?
Āe. Whakapā mai ina rerekē ō āhuatanga.
E mafai ona suia pe taofia la'u fuafuaga mulimuli ane?
Ioe; fa'afeso'ota'i pe a suia tulaga.
Te u lava 'o liliu/ta'ofi 'a e fuofua 'i he kaha'u?
'Io; fetu'utaki mai kapau 'e liliu ho'o tu'unga.
E rawa niu veisautaka se tarova e muri?
Io; veitaratara mai kevaka e veisau na ituvaki me rawa ni keitou veisautaka na ilavo/siga se tarova.
Ka rauka te taui me kore ‘akatārewa i muri mai?
Āe. Pā mai mē ka taui ō turanga.
. क्या मैं बाद में अपनी योजना बदल/रोक सकता/सकती हूँ?
हाँ; स्थिति बदलने पर हम राशि/तारीख समायोजित कर सकते हैं या योजना रोक सकते हैं।
以后能改或暂停计划吗？
可以。若情况改变，可调整金额/日期或暂停。
أيمكن تغيير/إيقاف الخطة لاحقاً؟
نعم؛ إذا تغيّرت ظروفك يمكن تعديل المبالغ/المواعيد أو الإيقاف.
Sau này có thể đổi/hoãn kế hoạch?
Có; khi hoàn cảnh đổi thay, có thể điều chỉnh số tiền/ ngày hoặc tạm ngưng.
Can I add all my other debts to DebtManagers?
Not directly. We can only work with debts we own. If you want another company to consider selling your debt to us, you can ask them—there’s no harm in it!
Ka taea e au te tāpiri nama kāore nō koutou?
Kāore tūturu. Ka mahi mātou ki ngā nama nō mātou anake. Ka taea e koe te tono ki tētahi atu kamupene kia hoko mai ki a mātou.
E mafai ona fa'aopoopo isi aitalafu e lē o a matou?
Leai tu'usa'o; matou te galue i aitalafu matou te umia; e mafai ona e talosaga i le isi kamupani e mafaufau e fa'atau atu ia i matou.
Te u lava 'o tanaki mai ha 'ai tali 'oku 'ikai 'iate kimautolu?
'Ikai tu'usa'o; 'oku mau ngāue pē ki he 'ai tali 'oku mau taukei 'aki; te ke lava 'o kole ki he kautaha kehe ke nau fakatau atu kiate kimautolu.
E rawa niu kuria eso tale na dinau e sega ni nomudou?
Sega; keitou cakacaka ga ena dinau keitou taukena. O rawa ni kerea vei na kabani tale mera vakasamataka me ra volitaka mai vei keitou—e sega ni cala na taro.
Ka rauka te tāpiri mai i ētahi atu nama kare nō kōtou?
Kare tu‘urua. Ka anga mātou ki ngā nama nō mātou anake. Ka pati koe kia te kamupani kē kia akara ki te ‘oko atu ki a mātou.
क्या मैं अन्य सभी ऋण DebtManagers में जोड़ सकता/सकती हूँ?
सीधे नहीं; हम सिर्फ़ वही ऋण सँभालते हैं जिनके हम मालिक हैं; आप दूसरी कंपनी से हमें बेचने का अनुरोध कर सकते हैं।
能把其他债务都加到你们这吗？
不能直接。我们只处理我们拥有的债务；您可请其他公司考虑卖给我们。
أيمكن إضافة ديون لا تملكونها؟
ليس مباشرة—نعمل فقط على الديون التي نملكها؛ يمكنك طلب بيع الدين لنا من الشركة الأخرى.
Có thể thêm các khoản nợ khác không?
Không trực tiếp; chỉ xử lý nợ do chúng tôi sở hữu; bạn có thể đề nghị công ty khác bán nợ cho chúng tôi.
I live in Australia now, does that change anything?
We are operating in Australia, just check out our Australian website! Lots of Kiwis pay their debts from there, and it’s the smart thing to do so there are no nasty surprises waiting for you when you get back. Just get in touch with us in either country and we can help out.
Kei Ahitereiria au—he aha te rerekē?
Kei reira hoki mātou e mahi ana; he tokomaha ngā Kiwi e utu ana i reira kia kore ai he ohorere ina hoki mai.
Afai ou te nofo i Ausetalia?
Matou te galue fo'i i Ausetalia; e to'atele Kiwi e totogi mai inā ina ia leai ni fa'ate'ia pe a toe fo'i mai.
Kapau 'oku ou nofo 'i 'Aositelēlia?
'Oku mau ngāue foki 'i 'Aositelēlia; lahi 'a e kau Kiwi 'oku nau totongi mei heni ke 'oua na'a 'i ai ha 'ohovale 'i he toe foki mai.
Keu sa tiko e Ositerelia?
Keitou cakacaka talega e Ositerelia; levu na Kiwi era sauma mai kea me kakua ni dua na kurabui ni ra lesu mai.
Me noo au i Autireria—eaa te rerekē?
E anga katoa mātou i reira; e manganui te Kiwi e totou i reira kia kore e tupā i te hoki mai.
मैं अब ऑस्ट्रेलिया में हूँ—क्या बदलता है?
हम वहाँ भी काम करते हैं; कई Kiwi वहीं से भुगतान करते हैं ताकि वापसी पर कोई आश्चर्य न हो; किसी भी देश में हमसे संपर्क करें।
我住在澳大利亚会怎样？
我们在澳大利亚也运营。很多新西兰人在那边还款以避免回国时的意外；联系任一国家的我们都行。
أعيش في أستراليا—هل يتغيّر شيء؟
نعمل هناك أيضاً؛ كثير من الكيوي يسدّدون من أستراليا لتفادي المفاجآت عند العودة.
Tôi đang ở Úc—có gì thay đổi?
Chúng tôi cũng hoạt động tại Úc; nhiều Kiwi thanh toán từ đó để tránh bất ngờ khi trở về.
What if I do nothing and don’t pay this debt?
Doing nothing usually makes things harder. Talking to us early is best. We are fair and can work with you to agree on a plan that fits your budget. If you don’t engage, we can take further steps under New Zealand law which don’t involve your input.
Mehemea kāore au e mahi i tētahi mea?
Ka taumaha ake. Ko te kōrero wawe te mea pai. Ki te kore koe e urupare, ka whai mātou i ētahi atu hikoinga i raro i te ture o NZ.
Afai ou te lē faia se mea?
E faigatā atili; talanoa vave; pe a lē tali mai, e mafai ona matou faia sitepu atili i lalo o le tulafono a NZ.
Kapau te u 'ikai fai ha me'a?
'E faingata'a ange; 'oku lelei taha 'a e talanoa vave; kapau 'e 'ikai ha tali, 'e lava ke fai 'a e sitepu hono hoko 'i he lao 'o NZ.
Keu sega ni cakava e dua na ka?
E dau vakaleqai; na veitalanoa totolo e vinaka duadua; kevaka o sega ni sauma/tali, e rawa ni keitou vakayacora eso na sitepu e muri e vauci kina na lawa ni NZ.
Me kare au e rave i tētahi mea?
E rikarika ake; ko te tuatua vave te mea meitaki. Me kare e ‘āpai mai, ka aruaru mātou i raro i te ture o NZ.
अगर मैं कुछ न करूँ और भुगतान न करूँ?
आम तौर पर स्थिति कठिन होती है; जल्द बातचीत सबसे अच्छा है; जवाब न मिलने पर NZ क़ानून के तहत हम आगे कदम उठा सकते हैं।
如果我什么都不做、不还？
通常会更难。尽早沟通最好；若不回应，我们可按新西兰法律采取进一步措施。
وماذا لو لم أفعل شيئاً؟
سيصعب الأمر عادة؛ التحدث مبكراً أفضل؛ عدم الاستجابة قد يدفعنا لخطوات قانونية إضافية في NZ.
Nếu tôi không làm gì và không trả?
Thường sẽ khó hơn; nói chuyện sớm là tốt nhất; nếu không phản hồi, chúng tôi có thể tiến hành bước theo luật NZ.
How do you protect my privacy and what are my privacy rights?
We follow the Privacy Act 2020. We collect only what we need, keep it secure, and tell you how we use it. You can ask to see or correct your information. Read our Privacy Policy or contact us.
He pēhea te tiaki i taku tūmataiti?
Ka ū ki te Privacy Act 2020; kohikohi i te mea e tika ana anake, tiaki haumaru, whakamārama te whakamahinga. Ka āhei koe ki te tiro/whakatika i ō kōrero.
E fa'apefea le puipuiga o lo'u fa'alilolilo?
Matou te mulimulita'i i le Privacy Act 2020; aoina mea e mana'omia, teu saogalemu, ma fa'amatala le fa'aogaina; e iai lou aia e va'ai/fa'asa'o.
Fēfē 'a e malu'i 'o e tūmata'u?
'Oku mau muimui ki he Privacy Act 2020; puputu'u 'a e fakamatala e fiema'u, tauhi malu, mo e fakamatala 'o hono ngaue'aki; 'e lava ke ke sio/fakatonutonu.
Dou maroroya vakacava na noqu itukutuku vakataki au?
Keitou muria na Privacy Act 2020: keitou kumuna ga na ka e gadrevi, maroroya vakavinaka, ka vakamacalataka na kena vakayagataki; e tu vei iko na dodonu mo raica se veisautaka.
E pē‘ea te tiaki i tōku tuatua tūmataiti?
Te aru mātou i te Privacy Act 2020: ‘āpai i te mea e anoano‘i anake, tiaki, e ‘akakite i te akakoro‘anga; ka rauka te kite/‘akatika.
गोपनीयता कैसे सुरक्षित रखते हैं? मेरे अधिकार?
Privacy Act 2020 का पालन—केवल आवश्यक जानकारी, सुरक्षित भंडारण, उपयोग का विवरण; आप देख/सुधार का अनुरोध कर सकते हैं।
你们如何保护隐私？我有哪些权利？
我们遵守《2020年隐私法》；只收集必要信息、妥善保管并说明用途；您可申请查阅或更正。
كيف تحمون الخصوصية وحقوقي؟
نلتزم بقانون الخصوصية 2020: نجمع ما نحتاجه فقط، نحفظه بأمان، ونوضح الاستخدام؛ يمكنك الاطلاع/التصحيح.
Bảo vệ quyền riêng tư như thế nào?
Tuân thủ Đạo luật Quyền riêng tư 2020: chỉ thu thập cần thiết, lưu trữ an toàn, giải thích mục đích; bạn có quyền truy cập/chỉnh sửa.
Will this affect my credit score/report?
Unpaid debts can appear on your credit report. This can make it harder or more expensive to get credit. When you finish paying a debt with us, we update your credit report so others can see it is paid.
Ka pā ki taku pūrongo nama?
Ka kitea pea ngā nama kāore anō kia utua. Ina oti i a koe te utu ki a mātou ka whakahōu mātou kia kitea kua utua.
E a'afia le lipoti/score o le kredi?
E mafai ona aliali mai aitalafu e le'i totogi; a uma ona totogi, matou te fa'afou le lipoti e fa'aali ai ua totogi.
Te ne a'afia 'a e lipooti kredi/score?
'E lava ke hā 'a e 'ai tali ta'etotongi 'i he lipooti kredi; 'i he 'osi 'o e totongi, te mau fakalelei'i 'a e lipooti 'o hā ai 'oku totongi.
E na laurai ena ripote ni dinau?
E rawa ni rairai na dinau e sega ni saumi ka vakaleqai kina na rawarawa ni dinau vou; ni sa saumi oti vei keitou, keitou na vakavoui na ripote me laurai ni sa saumi.
E pā ainei ki tōku rīpoata ‘akakredi?
E rauka te ‘akita‘anga o te nama kare i totou‘ia; kia oti te totou, ka ‘akaou mātou i te rīpoata e kua oti.
क्या इससे मेरे क्रेडिट स्कोर/रिपोर्ट पर असर पड़ेगा?
अनपेड ऋण रिपोर्ट में दिख सकते हैं; जब आप हमारे साथ ऋण चुका देते हैं हम रिपोर्ट अपडेट करते हैं कि वह चुका दिया गया है।
会影响我的信用分/报告吗？
未付债务可能出现在信用报告中。结清后我们会更新显示已付清。
هل يؤثر هذا على تقريري/تقييمي الائتماني؟
قد تظهر الديون غير المسددة في التقرير؛ بعد السداد نحدّثه لبيان أنه مدفوع.
Có ảnh hưởng đến điểm/báo cáo tín dụng?
Nợ chưa thanh toán có thể xuất hiện trong báo cáo; sau khi trả xong, chúng tôi cập nhật là ‘đã tất toán’.
Do you support industry regulation and a Code of Conduct?
We have led the industry calling for regulation and more protection for people who owe money. We’ve worked with financial mentors, clients, and customers to come up with a Code of Conduct that puts people first and helps protect them. More information will be available soon, but we’ve already implemented many of the standards ourselves.
Kei te tautoko i te ture whakahaere me te Code of Conduct?
Āe. Kua ū mātou ki te whakahaere o te rāngai me te tiaki ake o te tangata. Kua hanga mātou i tētahi Code e aro ki te tangata.
E lagolago le fa'atonutonuina ma le Code of Conduct?
Ioe; ua matou una'ia le fa'atonutonuina ma le puipuiga; ua iai se Code e taula'i i tagata ma ua fa'atinoina nisi tulaga.
Poupou ki he fokotu'utu'u mo ha Code of Conduct?
'Io; kuo mau ui'i ki he fokotu'utu'u mo e malu'i lahi ange; 'oku 'i ai ha Code taula'i ki he tangata mo ha ni'ihi 'o e tu'utu'uni kuo ngaue'aki.
Dou tokona na lawa ni tabana kei na Code of Conduct?
Io; keitou a liutaka na kerei me vakalawataki na tabana kei na maroroi levu; sa tu e dua na neitou Code e taula'i vei na tamata ka sa vakayacori e levu na tikina.
E tautoko ainei i te akakono‘anga e te Code of Conduct?
Āe. Kua akatangi mātou i te reo no te akakono‘anga me te paruru rava atu; kua ‘akatu mātou i tētahi Code e tā te tangata ki mua.
क्या आप उद्योग‑नियमन और आचार संहिता का समर्थन करते हैं?
हाँ; हमने नियमन और बेहतर सुरक्षा का नेतृत्व किया; लोगों‑केंद्रित Code of Conduct बनाया और उसके कई मानक लागू किए।
支持行业监管与《行为准则》吗？
支持。我们率先呼吁监管与更强保护，并制定以人为本的准则；许多标准已实施。
هل تدعمون التنظيم ومدونة السلوك؟
نعم—قدنا الدعوة للتنظيم وزيادة الحماية ووضعنا مدونة تضع الإنسان أولاً وطبّقنا معاييرها.
Ủng hộ quản lý ngành và Bộ Quy tắc Ứng xử?
Có; chúng tôi đi đầu kêu gọi quản lý và bảo vệ; xây dựng Bộ Quy tắc lấy con người làm trung tâm và đã áp dụng nhiều tiêu chuẩn.
Are you and Intercoll the same thing?
Yes. DebtManagers is our trading name because it reflects what we do and who we are. Our legal name is Intercoll Services Limited (NZBN: 9429048660853). You’ll see Intercoll on your statements and other official documents, but it means DebtManagers.
He ōrite koutou ki a Intercoll?
Āe. Ko DebtManagers te ingoa tauhokohoko; ko te ingoa ture ko Intercoll Services Limited (NZBN: 9429048660853).
O DebtManagers ma Intercoll e tasi?
Ioe; DebtManagers o le igoa fa'atau; Intercoll Services Limited (NZBN: 9429048660853) o le igoa fa'aletulafono.
Tatau mo Intercoll?
'Io; DebtManagers 'a e hingoa fakapisinisi; 'a e hingoa lao ko Intercoll Services Limited (NZBN: 9429048660853).
Dou tautauvata kei Intercoll?
Io; DebtManagers na yaca ni veiqaravi; Intercoll Services Limited (NZBN: 9429048660853) na yaca ni lawa.
Ko ‘outou e Intercoll e ‘okotai?
Āe. Ko DebtManagers te ingoa pakihi; ko te ingoa ture ko Intercoll Services Limited (NZBN: 9429048660853).
क्या आप और Intercoll एक ही हैं?
हाँ; DebtManagers व्यापारिक नाम है; कानूनी नाम Intercoll Services Limited (NZBN: 9429048660853) है।
你们和 Intercoll 是同一公司吗？
是。DebtManagers 为商用名；法定名 Intercoll Services Limited（NZBN: 9429048660853）。
هل أنتم Intercoll؟
نعم؛ DebtManagers اسم تجاري، والاسم القانوني Intercoll Services Limited (NZBN: 9429048660853).
DebtManagers có phải Intercoll?
Có; DebtManagers là tên giao dịch; tên pháp lý: Intercoll Services Limited (NZBN: 9429048660853).
Why does my bank statement show “Intercoll Ledger Limited”?
That’s our legal billing name banks use on your statement. DebtManagers is our trading name (Intercoll Services Limited t/a DebtManagers). Both names refer to us.
He aha i whakaatu ai taku tauākī pēke i te “Intercoll Ledger Limited”?
Koinei tā mātou ingoa nama ture e whakamahia ana e te pēke ki te tauākī. Ko DebtManagers tō mātou ingoa tauhokohoko (Intercoll Services Limited t/a DebtManagers). E tohu ana ēnei ingoa e rua i a mātou anō.
Aiseā ua aliali ai le “Intercoll Ledger Limited” i laʻu tala o le faletupe?
O le lea o lo matou igoa totogi faaletulafono e faaaogā e le faletupe i le tala. O le DebtManagers lo matou igoa faapisinisi (Intercoll Services Limited t/a DebtManagers). O igoa uma ia e lua e faasino mai ia i matou.
Ko e hā ʻoku hā ai ʻi hoku pepa fakamatala pēke ʻa “Intercoll Ledger Limited”?
Ko ia ʻetau hingoa totongi fakalao ʻoku ngāueʻaki ʻe he pēke ʻi he pepa fakamatala. ʻOku ko e DebtManagers ʻetau hingoa fakapisinisi (Intercoll Services Limited t/a DebtManagers). ʻOku fakamatalaʻi ʻe he ongo hingoa ni ʻe ua ʻa kimautolu pē.
Na cava e rairai kina na “Intercoll Ledger Limited” ena noqu ivola tukutuku ni baqe?
Oya na neitou yaca ni saumi vakalawa, ka oqori na yaca e vakayagataka na baqe ena ivola tukutuku. Na DebtManagers na neitou yaca ni bisinisi (Intercoll Services Limited t/a DebtManagers). E rau dusia ga na yaca e rua oqo na neitou kabani.
Eaa ai te “Intercoll Ledger Limited” i runga i taku rīpoata pēke?
Ko teia to mātou ingoa ture no te totou, ta te pēke e whakamahi i runga i te rīpoata. Ko DebtManagers to mātou ingoa pakihi (Intercoll Services Limited t/a DebtManagers). E rua rāua ingoa nei e tuatua ana no mātou anake.
मेरे बैंक स्टेटमेंट पर “Intercoll Ledger Limited” क्यों दिखता है?
यह हमारा कानूनी बिलिंग नाम है, जिसे बैंक आपके स्टेटमेंट पर इस्तेमाल करता है। DebtManagers हमारा व्यापारिक नाम है (Intercoll Services Limited t/a DebtManagers)। दोनों नाम हम-ही को दर्शाते हैं।
为什么我的银行对账单上会显示“Intercoll Ledger Limited”？
这是我们的法定扣款名称，银行会在对账单上使用这个名称。DebtManagers 是我们的交易名称（Intercoll Services Limited t/a DebtManagers）。这两个名称指的都是我们同一家公司。
لماذا يظهر اسم «Intercoll Ledger Limited» في كشف حسابي البنكي؟
هذا هو اسم الفوترة القانوني الخاص بنا الذي يستخدمه البنك في كشف الحساب. DebtManagers هو اسمنا التجاري (Intercoll Services Limited t/a DebtManagers). كلا الاسمين يشيران إلى الجهة نفسها، أي نحن.
Vì sao trên sao kê ngân hàng của tôi lại ghi “Intercoll Ledger Limited”?
Đó là tên pháp lý dùng để thu phí của chúng tôi, tên mà ngân hàng sử dụng trên sao kê. DebtManagers là tên thương mại của chúng tôi (Intercoll Services Limited t/a DebtManagers). Cả hai tên này đều chỉ cùng một công ty – chúng tôi.
Is all debt bad?
Not always. Debt can help people buy what they need or invest in their future. But sometimes things change and debt can become hard to manage. If that happens, we’re here to help with a sustainable repayment plan that suits your needs, and we don’t charge fees or excessive interest.
He kino katoa te nama?
Kāore i ngā wā katoa. I ētahi wā he pai te nama, engari ka uaua te whakahaere. Ka tuku mātou i tētahi mahere utu toitū e hāngai ana.
E leaga uma aitalafu?
Leai taimi uma; e aoga aitalafu, ae pe a faigatā ona pulea, e iai a matou fuafuaga gafatia e aunoa ma pili/tului maualuga.
Kovi 'a e 'ai tali kotoa?
'Ikai taimi kotoa; 'e lava 'o tokoni 'a e 'ai tali, ka kapau 'e faingata'a te mau fokotu'u ha fuofua 'oku fe'unga 'o a'usia.
E ca kece na dinau?
Sega. Ena vukea na volivoli/ vakainaki, ia ni veisau na ituvaki e rawa ni dredre; keitou vakarautaka e dua na ituvatuva sausaumi e rawarawa, bula‑durable, sega na isau/tubu levu.
E kino katoa ainei te ‘oro‘anga?
Kare e aina‘a. I ētahi taime ka riro te nama ei tauturu; mē riro te uaua, ka oronga mātou i te mahere tau—kare e ‘uipā/‘īnia tiketike.
क्या सारा कर्ज़ बुरा होता है?
ज़रूरी नहीं; उधार उपयोगी हो सकता है, पर हालात बदलें तो संभालना मुश्किल; तब हम टिकाऊ, उपयुक्त योजना देते हैं—बिना फ़ीस/उच्च ब्याज।
所有债务都是坏的吗？
不一定。借贷可满足需求/投资未来；若难以管理，我们提供可持续、合身的计划且不收费用/高息。
هل كل الديون سيئة؟
ليس دائماً؛ قد تكون مفيدة، لكن إن صارت صعبة الإدارة نقدّم خطة مستدامة مناسبة دون رسوم/فوائد مفرطة.
Mọi khoản nợ đều xấu?
Không hẳn; nợ có thể hữu ích nhưng cũng có lúc khó kiểm soát; khi đó chúng tôi đưa kế hoạch bền vững, phù hợp; không thu phí/lãi cao.
Are you just debt collectors?
We collect debt, but we are so much more than just debt collectors. We help put people at the heart of what we do, helping them manage their debt and get back on their feet rather than just simply collecting it. That’s why we don’t charge fees or excessive interest, do wellbeing checks, offer breathing space, and have flexible repayment plans.
He kai‑kohikohi nama noa iho koutou?
Kāo. He nui ake—he aronga ki te tangata, he āwhina ki te whakahaere nama me te hoki ki te tauranga; kāore he utu kohikohi/rata nui.
Na'o ni aoina aitalafu outou?
E aoina aitalafu matou, ae sili atu nai lo lena—taula'i i tagata; e leai pili aoina; e iai ‘breathing space’ ma fuafuaga fetu'una'i.
Na'a mau koloa 'o kolekisi pē?
'Oku mau ao 'a e 'ai tali ka 'oku lahi ange—taula'i ki he kakai, 'ikai ha totongi aoina, 'oku 'i ai e taimi malolo pea mo e fuofua fetu'utaki.
Dou na'o ni daukumuna dinau ga?
Keitou daukumuna dinau, ia e levu tale—taula'i ki na tamata; sega na isau ni kumuni; e tu na gauna ni ‘vakacegu’ kei na ituvatuva veisautaki.
Ko ‘outou anake te ‘akaapinga ‘oro‘anga?
Kāre—e rahi atu. E taula‘i mātou ki te tangata; kāre ‘uipā kohikohi; e ‘akaputu‘anga ngōie me te ‘ākangaruru.
क्या आप केवल कलेक्टर्स हैं?
हम वसूली करते हैं पर उससे कहीं अधिक—लोगों पर केंद्रित सहारा; इसलिए कोई संग्रह‑शुल्क नहीं, ‘breathing space’ और लचीली योजनाएँ।
你们只是债务催收吗？
不止。我们以人为本，帮助客户管理债务、重回正轨；不收催收费，提供缓冲与灵活计划。
هل أنتم مجرد محصلّي ديون؟
نقوم بالتحصيل ولكننا أكثر من ذلك—نركّز على الإنسان، لا رسوم تحصيل، وخطط مرنة و«فترات تنفّس».
Chỉ là đơn vị thu hồi nợ thôi?
Không; chúng tôi đặt con người làm trọng tâm—không phí thu hồi, có thời gian ‘thở’ và kế hoạch linh hoạt để khách hàng ổn định lại.
Why do you buy debts?
We buy debts because it means we can build a relationship with our customers and can do things like flexible repayment plans, provide breathing space or pauses, and work to what suits them, not someone else. Buying debt isn’t a bad thing, we think it’s the key to helping people get their bad debts sorted, and we are proud to do it.
He aha i hoko ai koutou i ngā nama?
Hei whakarato i te ngohengohe me te mahi tōtika ki ngā hiahia—ngā mahere ka taea te whakarerekē me ngā wā whakangā.
Aiseā e fa'atau ai aitalafu?
Ina ia mafai ai le galulue tu'usa'o ma le fetu'una'i—fuafuaga e mafai ona suia ma taimi malolo—fa'atatau i mana'oga o le tagata.
Ko e hā 'a e 'uhinga te mau fakatau ai 'a e 'ai tali?
Ke ma'u ha vaha'a tu'usa'o mo ha fetu'utaki lahi ange—fuofua 'e lava ke liliu mo e taimi malolo—'o fakatatau ki he kiritupule.
Na cava dou volia kina na dinau?
Me rawa kina na veiwekani dodonu kei na veisaututaki—na ituvatuva e rawa ni veisautaki, gauna ni vakacegu—me vaka na gagadre ni kasitama.
Eaa i ‘oko ai i te au ‘oro‘anga?
Kia rauka i te ngōie e te tātā‘anga vaitata ki te kiritaki—tere e rauka te taui me te ‘aka‘oki.
आप ऋण क्यों खरीदते हैं?
ताकि सीधे काम कर सकें और लचीले विकल्प दे सकें—समायोज्य योजनाएँ, विराम—व्यक्ति‑केंद्रित तरीके से।
为什么要买债？
这样可以与客户直接合作，提供更多灵活性（可调整计划、暂停等），以客户需求为导向。
لماذا تشترون الديون؟
يوفّر الشراء علاقة مباشرة ومرونة (خطط قابلة للتعديل وفترات راحة) وفق احتياجات الشخص.
Vì sao mua nợ?
Để có quan hệ trực tiếp và linh hoạt hơn—kế hoạch điều chỉnh được, thời gian tạm dừng—theo nhu cầu của bạn.
What makes DebtManagers different from everyone else?
We don’t add collection fees. We focus on affordable, flexible repayment plans. We work with mentors and we check in on wellbeing and vulnerability so the plan is sustainable.
He aha te rerekētanga o DebtManagers?
Kāore he utu kohikohi; he mahere utu ngohengohe, utu‑āhei; he mahi ngātahi me ngā kaitohutohu; he aro ki te oranga/ngoikore.
O le ā e ese ai DebtManagers?
Leai pili aoina; fuafuaga taugofie/fesuia'i; galulue ma faufautua; va'ai i le soifua manuia/vaivai mo se fuafuaga tumau.
Ko e hā 'a e me'a 'oku kehekehe ai 'a e DebtManagers?
'Ikai ha totongi aoina; fuofua 'oku fe'unga/fetu'utaki; ngāue'aki mo e faufautua; sio ki he mo'ui lelei/mo'ulalo ke nofo 'a e fuofua.
Na cava e duidui kina na DebtManagers?
Sega na isau ni kumuni; taula'i ki na ituvatuva e rawa ni saumi ka veisautaki; cakacaka vata kei na mentor; qarava na bula vinaka/yalodei me dei kina na ituvatuva.
Eaa tā te DebtManagers rerekē?
Kāre e tāpiri ‘uipā kohikohi; tere ngōie/kāka‘u; ‘anga vaitata ki te mentor e te oranga/ngoikore.
DebtManagers दूसरों से अलग कैसे है?
कोई संग्रह‑शुल्क नहीं; किफ़ायती/लचीली योजनाएँ; मेंटर्स के साथ काम; भलाई/कमज़ोरी पर ध्यान ताकि योजना टिकाऊ रहे।
DebtManagers 有何不同？
不加收催收费；专注可负担、灵活计划；与导师合作并关注福祉/脆弱性以确保可持续。
ما الذي يميّزكم؟
لا رسوم تحصيل؛ خطط ميسورة ومرنة؛ نعمل مع المرشدين ونراعي الرفاهية والهشاشة للاستدامة.
Điểm khác biệt của DebtManagers?
Không phí thu hồi; tập trung vào kế hoạch vừa túi tiền và linh hoạt; làm việc với cố vấn; chú trọng phúc lợi/tính dễ tổn thương để bảo đảm bền vững.
Why do you visit people at home?
Sometimes a face-to-face visit is the best way to sort things. Our Community Services team are our employees and are highly trained to help our customers. Many customers prefer this option.
He aha i ētahi wā ka toro ki te kāinga?
I ētahi wā he pai ake te kanohi‑ki‑te‑kanohi. He kaimahi ā‑roto tō mātou rōpū kua tino whakangungua.
Aiseā e asiasi ai i nisi taimi i le fale?
O nisi taimi e sili le feiloa'i fa'afesaga'i; o le 'au Community Services o a matou tagata faigaluega ua lelei ona a'oa'oina.
Ko e hā 'a e 'uhinga 'oku 'alu ai ki he 'api?
'I he taimi 'e ni'ihi 'oku lelei taha 'a e fe'iloaki fakafesitelí; 'etau timi Community Services ko 'etau kakaí 'oku ako lelei.
Na cava e dau sikovi kina na vale?
Eso na gauna e vinaka duadua kina na sota vakadodonu; na timi Community Services o ira na neitou cakacaka ka ra vakavulici vinaka, ka levu era via digia.
Eaa i ētahi taime e ‘aere mai ei ki te ‘are?
I ētahi taime e meitaki rava te tūtaki kanohi; ‘oki ‘ā mātou tangata ngaue kua ‘akapi‘i.
कभी‑कभी घर आकर क्यों मिलते हैं?
कभी आमने‑सामने मिलना सबसे असरदार होता है; हमारा Community Services दल प्रशिक्षित आंतरिक कर्मचारी हैं; कई ग्राहक इसे पसंद करते हैं।
为何有时上门？
有时面对面最有效。我们的社区服务团队是经过培训的内部员工；许多客户喜欢此方式。
لماذا الزيارات المنزلية أحياناً؟
وجهاً لوجه قد يحلّ الأمور أسرع؛ فريق خدمات المجتمع موظفون داخليون مُدرَّبون، وكثيرون يفضّلونه.
Vì sao đôi khi đến nhà?
Đôi khi gặp trực tiếp hiệu quả nhất; Đội Dịch vụ Cộng đồng là nhân viên nội bộ, được đào tạo tốt; nhiều khách hàng thích cách này.
How do I complain or give feedback?
Tell us what happened and how we can fix it. We’ll confirm we got your complaint and reply within set timeframes. If you’re not happy with our response, we’ll explain your next options.
Me pēhea te tuku amuamu, urupare rānei?
Kōrerotia mai te mea i puta me te huarahi whakatika. Ka whakaū mātou, ā, ka whakautu i te wā tika; ki te kore e makona, ka whakamārama i te kōwhiringa e whai ake.
E fa'afefea ona ou faitioga pe tu'uina mai se manatu?
Ta'u mai le mea na tupu ma le mea e mafai ona matou fai e fa'aleleia ai; o le a matou fa'amaonia le mauaina ma tali i le taimi talafeagai; pe a le faamalieina, matou te fa'amatala la'asaga o sosoo ai.
Fēfē hono fai ha faiti'onga pe 'ave ha manatu?
Talanoa mai ki he me'a na'e hoko mo e me'a te mau lava 'o fai; te mau fakapapau'i 'a e ma'u mo tali 'i he taimi totonu; kapau 'oku 'ikai fiemālie, te mau fakamatala'i 'a e sitepu hoko.
Me’u kerea vakacava na kudru se feedback?
Tukuna mai na ka a yaco kei na ka e rawa ni keitou cakava; keitou na vakadeitaka ni keitou ciqoma ka sauma ena gauna donu; kevaka o sega ni marautaka, keitou na vakamacalataka na sala tarava.
Eaa te ‘ara no te amuamu/me kore feedback?
Tua mai te raru e te mea ka ‘akatika mātou; ka ‘akakite mātou i te riro‘anga, e ka pau te taime akakite; me kare e makona, ka ‘akakite i te ‘āpinga i muri mai.
शिकायत या फ़ीडबैक कैसे दूँ?
बताइए क्या हुआ और कैसे सुधारें; हम प्राप्ति की पुष्टि कर समयबद्ध उत्तर देंगे; असंतुष्ट हों तो आगे के विकल्प बताएँगे।
如何投诉或反馈？
告诉我们发生了什么及改进方式；我们会确认接收并在时限内回复；若不满意，会说明下一步。
كيف أقدّم شكوى أو ملاحظات؟
أخبرنا بما حدث وكيف نصلحه؛ نؤكد الاستلام ونرد ضمن المواعيد؛ وإن لم ترضَ نشرح خياراتك التالية.
Khiếu nại hoặc góp ý thế nào?
Hãy cho biết điều gì đã xảy ra và cách khắc phục; chúng tôi xác nhận đã nhận và phản hồi đúng hạn; nếu chưa hài lòng, sẽ nêu lựa chọn tiếp theo.
I’m a financial mentor who wants to help, can you help?
Yes. We work with financial mentors across Aotearoa. Get in touch and we’ll connect you with the right person on our team to help your client.
He kaitohutohu pūtea ahau—ka āhei te mahi ngātahi?
Āe. Kei te mahi mātou puta noa i Aotearoa; īmēra mai kia hono atu ki te tangata tika.
O a'u o se faufautua tau tupe—e mafai ona tatou galulue fa'atasi?
Ioe; matou te galulue ma faufautua i Aotearoa; imeli mai matou e feso'ota'i atu i le tagata talafeagai.
Ko au ha faufautua pa'anga—te tau lava 'o ngaue fakataha?
'Io; 'oku mau ngaue fakataha mo e faufautua 'i Aotearoa; 'imeili mai ke fakafe'iloaki atu ki he tangata totonu 'i he timi.
O au e dua na mentor ni lavo—e rawa ni da cakacaka vata?
Io; keitou cakacaka vata kei ira na mentor e Aotearoa; imeli mai me sema vei koya e dodonu ena neitou timi.
Ko au te mentor pūtea—ka tauturu kōtou?
Āe. Te anga matou i Aotearoa; ‘īmēra mai kia ‘akapiri atu ki te tangata tika.
मैं फ़ाइनेंशियल मेंटर हूँ—क्या आप सहयोग करेंगे?
हाँ; हम पूरे Aotearoa में मेंटर्स के साथ काम करते हैं; हमें ईमेल करें—हम सही व्यक्ति से जोड़ देंगे।
我是财务导师，能合作吗？
。我们与 Aotearoa 各地的导师合作；给我们发邮件即可对接合适同事。
أنا مرشد مالي—أتتعاونون؟
نعم؛ نعمل مع المرشدين عبر Aotearoa—راسلنا لنصلك بالشخص المناسب.
Tôi là cố vấn tài chính—có thể hợp tác chứ?
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