Why Debt Free’s Passion Is Your Best Defence

Why Debt Free’s Passion Is Your Best Defence

At Debt Free, our passion for what we do is not just a marketing tagline; it’s the engine that drives our entire business. We don’t just manage debts; we protect livelihoods.

We’ve taken countless calls from business owners in crisis. Companies facing unending disputes because they skipped proper Terms & Conditions; sole traders who did a top-quality job only to face a legal blockade and their own insolvency; A builder who forgot to put a subcontract agreement in place, left hanging when a subcontractor installs faulty products across multiple properties.

We’ve seen what happens when paperwork is weak or non-existent, and the fallout can be brutal. But we’ve also witnessed the inverse: when our clients come to us using our solid Terms and Conditions, good credit practices, and the backing of our debt-recovery tools, they dodge disasters.

Sometimes what we help them recover isn’t just cash, but their business’s future, their family’s security, and their peace of mind.

We could call it “just business.” But we don’t.
Because to us, it’s personal.

Passion Matters. Especially When Stakes Are High

Research shows that entrepreneurs driven by genuine passion, whether for the product, the process, or the purpose, are far more likely to push through challenges, stay committed, and build sustainable businesses.

Passion fuels resilience. It gives you the fire to tackle tough situations, like unpaid invoices, legal disputes, or clients who vanish. Without passion, you’re just running a business; with it, you become a protector of value, trust, and fairness.

At Debt Free, our passion isn’t just for debt recovery; it’s for giving you back control. When you call us because a major job has gone sideways, or a once-reliable client refuses to pay, you’re not just another file on our desk. You’re someone who believed in their work, put in the sweat, and deserves to be paid.

That belief drives us harder than any fee schedule.

Real Problems We’ve Seen And How They’re Preventable

Here’s what we hear regularly:

  • A business owner who thought “it’ll be fine” without written Terms, only to be blindsided by a client dispute spanning years.
  • A sole trader who did an excellent job without any paperwork, only to have the client bring in lawyers, stall payment for months, and push them close to insolvency.
  • A subcontractor’s installation required millions in repair work, but because there was no subcontractor agreement, a builder ended up fighting in court for months without recouping any costs. The builder remains liable for the repair work under the head contract.

These situations are avoidable. Not because business is easy, but because with the right paperwork, clarity, and protection, you put yourself in control.

We’ve helped clients avoid these disasters. We’ve seen clients save tens, hundreds, or even millions of dollars, enough to protect their business or even save their family home.

That’s why we get out of bed in the morning.

We’ve Seen Both Ends of the Spectrum, And We Choose to Change It

We’ve seen businesses collapse not because they lacked skill or heart, but because they lacked proper protection. We’ve seen honest tradies left chasing ghosts. We’ve seen companies bleed cash when clients delayed payment, disputed jobs or went bust.

But we’ve also seen the other side: businesses saved, cashflow restored, families secured. Practices that looked like paperwork saved livelihoods. Contracts that looked like formality delivered real-world results.

That’s why Debt Free exists.

Because we believe in business, we believe in tradespeople. We believe in fairness.

And we believe that passion, when combined with clarity and structure, can make all the difference.

Final Word

If you’re serious about your business, treat your paperwork with the same respect as your workmanship.

If you’ve ever swallowed the line “we’ll sort payment later,” stop.

If you’ve ever thought, “we don’t need a contract, we trust them,” think again.

Because in business, as in life, passion matters. But what you invest that passion into matters even more.

Mark Mclachlan

CONTACT

Get in touch with us for guaranteed terms and conditions.

Jason Bartle
Waikato Regional Manager

Jason is a dynamic, results-focused leader with over fifteen years of international and domestic experience delivering strategic business solutions. As the Waikato Regional Manager at Debt Free Ltd, Jason leverages his commercial acumen in credit management, stakeholder engagement, and market development to empower individuals and businesses to achieve sustainable financial empowerment.

A lifetime member of Beta Gamma Sigma, Jason’s background includes collaborating with The World Bank on economic transformation projects in Southeast Asia, founding an award-winning premium spirits company, and coordinating commercial growth initiatives at leading New Zealand enterprises.

With a passion for enabling financial resilience, Jason specialises in tailoring innovative debt management strategies that support long-term client success while fostering sensible risk management within the Waikato region.

 

[email protected] | 022 362 2779

Alan Tane Solomon
Bay of Plenty Regional Manager

Alan is a highly accomplished, results-driven professional with decades of experience delivering client-focused solutions. As Bay of Plenty Regional Manager at Debt Free Ltd, he leverages his extensive expertise in credit management, commercial operations, and market development to help businesses and individuals achieve sustainable financial security.

With a distinguished background that includes collaborations with leading enterprises and spearheading commercial growth initiatives at top New Zealand companies, Alan brings a disciplined, solutions-focused approach to his work. His commitment to excellence and precision, developed through his military experience, enables him to implement best-practice financial strategies that deliver ironclad, long-term results for his clients.

Passionate about financial resilience and risk management, Alan specialises in tailoring innovative debt management strategies that help clients regain financial control and fortify their long-term financial health. His strategic insights and consultative approach ensure that businesses across the Bay of Plenty region have the right tools to navigate financial challenges confidently and successfully.

[email protected] | 027 4776 791

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Brooke Ahern
Lower North Island Manager

Based on the Kapiti Coast in Wellington, with over ten years of success as a strategic, hands-on leader, Brooke Ahern brings a wealth of experience over his career, driving innovative revenue growth and profitability for his organisations. As Brooke progressed through his career, he developed a reputation for being creative and executing high-profile product marketing and growth strategies. These have significantly impacted an organisation’s bottom line.

After ten years of management experience ranging from business development manager to chief revenue officer for a large company, Brooke joined Debt Free Limited in 2022 after observing and experiencing the difficulties in obtaining and managing business documentation. Brooke saw an opportunity to provide New Zealand businesses with industry-leading credit-checking tools and documentation they need to mitigate/prevent future risk.

Brooke has a proven record of going above and beyond for his clients, and we are excited to have him a part of the team here at Debt Free

[email protected] | 0212262563

Mark McLachlan
Director

Mark is an expert with ten years of experience dealing exclusively with business documentation and credit management processes. He has completed a New Zealand Certificate in Financial Services Level 5 qualification and consulted with thousands of companies, saving his clients millions.

Mark founded Debt Free in 2021 as he is passionate about helping New Zealand companies to succeed and flourish by getting paid their hard-earned money while avoiding typical issues faced in their industry. He has immense knowledge of real-life cases and how tailored credit management processes can prevent debt, address the unique demands of a wide range of industries, and remove risks and liabilities relevant to business activities.

Attending association and organisation speeches, Mark is a respected figure in the credit management industry and is a member of the New Zealand credit and finance institute.

[email protected].nz | 021 283 9027

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[email protected] | 0212839027

Josh Whitehouse
South Island Manager

Growing up in Taranaki, Josh worked in business consulting for eight years, delivering successful solutions to his clients before relocating to Christchurch and joining Debt Free in early 2022 to look after the beautiful South Island.

Josh is a trusted and valued team member specialising in business documentation, business development, credit management and account management. He has helped the companies he consulted with to implement best practice credit management processes and saved individual clients hundreds of thousands of dollars. Josh entered this space for one reason, his absolute love and adoration for people and a passion for helping others to achieve greatness in business and life.

Josh’s business motto is “there is untapped greatness in all of us. Sometimes we just need a little help to cultivate it.”

[email protected].nz0272722132

 

Rana searle
Office Manager

Rana started as an Office Manager when she was only a teenager and has extensive experience across many different industries, including building, horticulture and healthcare. She is a great communicator, an avid list maker, and always plans things well in advance.

Rana is super helpful, caring and kind and is a perfectionist when it comes to documentation. She has an incredible eye for detail and thrives on getting stuck in and succeeding. Rana prides herself on being people-focused, loves motivating others to be their best and always puts her client’s needs first as she genuinely cares and wants the best outcome.

Rana is always smiling, has a proven track record, is a natural-born leader who loves managing a team and genuinely loves to help whenever and wherever she can. She is passionate about our purpose to make sure New Zealand businesses flourish and grow. Rana loves being able to help the people behind those businesses feel safe and secure to succeed and is a big part of the Debt Free team.

[email protected] | 0212226425