"To remake rates is complicated, expensive, time consuming and would require public consultation," he said.
"We cannot collect a different amount to what was set out in the Long Term Plan (LTP), but we are trying to find an appropriate way to go forward."
Kaipara Citizens and Ratepayers Association spokesman Ron Manderson had asked the commissioners to consider a phasing-in period for the rates or rate capping as affordability was a concern to many residents.
After the meeting, he said he was disappointed the commissioners were not seeking forensic evidence on the rates situation.
"The report the Auditor General is doing on Mangawhai is not sufficient," Mr Manderson said.
"We need a report on the whole of council... on who is responsible, what we can recover and from whom."
He said the association intended to lobby the Government to increase the rating rebate, now capped at $590 for those eligible, to help people on limited incomes.
The association is also circulating a petition asking Mr Carter to get the commissioners to amend the LTP to limit any rate increase to 10 per cent.
Commissioners chairman John Robertson said in a media statement those not paying rates were asking the others to pay for services like roads and water that everyone used.
The commissioners had not yet discussed penalties which might be imposed for not paying rates, he said.