About Us

The services offered by Debtworks are a direct result of the experience and know how of its directors.

Debtworks three directors, Bruce Cross, David Young and Mike Tolhurst, have an extensive background in Credit Management, Debt Collection and Law.

Bruce has extensive industry experience having held top management positions for both boutique and publicly listed multi-national agencies. His experience includes:

  • Legal Manager for Accounts Enforcement Limited
  • Auckland Branch Manager for College Credit Management Ltd
  • General Manager for College Credit Management Ltd
  • Northern Regional Manager for RMG Ltd

Bruce is a qualified Legal Executive and has served on both self regulating bodies for the Collection and Legal Executive industries and continues to be a Credit Management Mentor for the Businesses in the Community program. 

David has extensive industry experience having held top management positions for both boutique and publicly listed multi-national agencies. His experience includes:

  • General Manager for Otago Credit Consultants Ltd
  • Manager of RMG Call Centre
  • Otago Manager for RMG Ltd.

David manages our Dunedin office and is a current National Director as well as Otago Branch President with the New Zealand Credit and Finance Institute. He has held numerous executive positions including National Vice President.

Mike is the principal of Auckland based law firm, Citylaw.

Admitted to the Bar in 1985, Mike commenced sole practice in 1992. Mike has over 15 years experience acting for several collection agencies on debt collection matters. He also has 3 years experience with Broadbank dealing with credit related issues and is a past contributor to the "NZ Banker" primarily in the area of credit collection.



All 3 directors are contributors to several publications including national newspapers in the areas of debt collection, credit management and associated litigation.

They also have strong network contacts in the legal and debt collection industries and are backed by a dedicated team of experienced professionals who have hands on expertise and an innovative focus on credit management.

Their quality and attention to detail is not compromised by their speed of delivery and flexibility.