ABOUT US
MFL Services is a New Zealand owned company specialising in credit management and debt recovery solutions. We are able to tailor-make solutions for both companies and individuals across New Zealand and Australia.
Solutions driven approach
If you need advice with debt recovery or support through the court system, just contact us today for a no obligation free discussion.
Why work with MFL Services?
MFL Services’ unique approach to the law creates tailor-made opportunities for business, which ensures a more effective credit control and debt recovery process.
The MFL difference is that our trained professional NZ debt collectors are well experienced in business to business as well as consumer debt collection.
The team at MFL Services will ensure that your brand is protected throughout the collection and recovery process. If debt collectors ride rough-shod and work outside the rules, it can reflect on your company’s good name. The team at MFL Services understand the value of our customers’ good names and will never act in a way that is detrimental to their brand.
What makes us effective NZ debt collectors?
Debt collection is all about listening, empathising and being clear on the debt recovery process from the start. Excellent negotiation skills and early contact with a debtor(s) will often result in payment. Our collection and recovery agents are experts in their field and take pride in delivering an above average service. Contact MFL today for an obligation free discussion on your credit management and debt recovery requirements.
Stand out systems for outstanding accounts
Our above average recovery rates are proof of the effectiveness of our debt recovery processes. To discuss your specific credit control and debt recovery requirements, contact us for a no-obligation discussion.
Full New Zealand coverage
MFL Services offers an end-to-end solution for your debt recovery with national coverage. At MFL Services our unique approach focusses on utilising modern technology and innovative thinking to tailor-make legal debt recovery solutions.
Our team
Maria Stoat
I have been involved in the finance industry for 35 years in different areas. I worked in banking for 15 years dealing with everything from customer services to lending. I then moved into second-tier mortgage lending and have been employed as a credit consultant for MFL Services for almost 10 years.
I was educated in England – my qualifications do not mean much to New Zealanders, but I finished year 12 with “O” Level and secretarial qualifications.
My hobbies and interests include travel, socialising with friends and family, reading and going to the movies – basically just trying to maintain a healthy work life balance.
“Fun Fact”: Many years ago I organised with work colleagues to go to see “The Sound of Music”, unfortunately I arrived late and walked into the theatre just as the nuns were singing “How Do You Solve a Problem Like Maria”! This has been my anthem ever since.
I have always enjoyed working with people; I like the challenges and the variety. My job requires me to be a detective, a diplomat, an educator, and a problem solver – no two days are ever the same. I enjoy my role at MFL Services as it enables me to build a relationship with both clients and debtors so we all can achieve the best results possible.
Sandhya Thukral
My journey to becoming a litigation specialist stems from my undergraduate law degree in BA LLB (Hons.) from Amity University, India. I worked as an intern for a corporate law firm and practised law for a year before I decided that I wanted a little more. After moving to New Zealand in 2016, life had different plans. I completed my PGDBA degree here in Auckland at AIS. I tried something different as a collections officer at Illion NZ Ltd. Utilising my past experiences and seeking knowledge each day, I took the role of a credit controller at Geneva Finance and was promoted to be a debt litigation specialist at MFL Services in a short span.
A part time make-up artist, the world’s best cook (judging by what my husband says), I absolutely love shopping, am a movie bug and a travel enthusiast.
Fun Fact: I love to see the world and walk distances. Hence, before moving to NZ, I bought myself (a few) pair of trainers so I can walk the mountains, run along the beaches and feel the breeze. But, life’s funny. My 3rd day to uni, I managed to semi cripple myself. Instead of running across the coastline, I was running to catch my train which is when I slipped and had a fracture that lasted almost 3 weeks of bed rest.
Lou Coetzer
After immigrating to NZ in 2016, I continued my career as expert in debt collection. Prior to moving to New Zealand, I worked as attorney (solicitor) in South Africa, with over 20 years’ experience in the legal and business arena.
I joined MFL Services February 2020 with the ambition to grow and improve on the already successful business and using my experience in litigation, debt collection, general civil litigation, arbitration and corporate law.
I want to ensure that every client is provided with the right solution(s) to grow their business.
I am passionate about the communities in which I have lived and have been involved in not-for-profit organisations uplifting poor and disabled communities.
Whether fishing or socialising with friends over a barbeque, I truly love spending time by the ocean.
Talk to us.
For a no-obligation quote on our credit control and debt collection services. We don’t charge for consultations, phone calls and letters – that’s all included in the fixed fee. No more arguing about high and unaffordable legal bills, we are completely transparent and work on a fixed fee basis.


