Hey Tina,
I was doing a little looking on the net for New Zealand specific info. This link appears to have good info, but i believe it is also an advert in some way.
https://loansfinder.co.nz/debt-counselling/
here is a link from the citizens advice bureau re debt management. Lots of links off of it and advice. Worth a look I would think.
http://www.cab.org.nz/vat/money/bd/Pages/CreditDebtManagement.aspx
One day at a time! It can get overwhelming when all our games come home to roost! Everyone is looking to get paid in the end. Too bad we couldn’t send them to the one s who we gave the money to. Chin up. You have an addiction you now realize but you are dealing with it.
Take care,
Laura