can they take my income?
yes - Inland revenue have sent me a letter, saying they are taking x amount out of my bank. What would you suggest I do?
plus how long does my $59 give me to ask questions?
they sent a letter asking for 20% of my monthly income, the debt is 18000, was 7000 when we first had all the trouble 5 eyars ago, its ,mainly fees.
my debts to live (no credit) is all but my income
i am so fed up with the noose around my neck, can I sit down with the bankruptcy people and have all the info laid out so there are no surprises before I make the decision? or am I better to negitiate with IRD and pay a minimal amount?
ok - can I stop them helping themselves to my pay - they have sent a letter to my employer.
ok - I have tried to call the woman as soon as I got the letter, Ill call tomorrow and get the ball rolling.
I guess thats it for now, Ill go and see the bankruptcy people and deal with IRD.
Thanks for your advice. :)
thanks - just a quick one, when reading back over your notes, the other debt once over 6 years is void?
ok cool, so IRD is the only concern! thats one bright light - thanks heaps :)
ha ha typical!!
I followed your advice, and have had my debt wiped by Inland Revenue :D very happy and appreciated his help!
Hi Can I ask you another question or do I have to pay more money?
Hi again - Now that Im not going bankrupt and IRD have wiped my debt :)
I have to deal with Baycorp. There is a 4500 debt against me, again for the previous business nightmare, they put a judgement on me 2 years ago.... the debt is over 6 years old, but they tell me it is enforceable because of the judgement - they orderd work to take $40 a month, but for some reason work stopped doing that, and I ignored it.
So - my question is - is that true? and as its on my credit history (the only thing) will it stay there for 7 years, or can it be removed.
I am going to pay this as it is the only one left.
I was just annoyed, I would still have it on my credit rating for 7 years post judgement, its a never ending curse. Can that insist on a means test, to decide what I can pay? do I have to show them my finances? it goes into a main office so anyone can look at it?
Ok - well my goal is to pay them off and get my credit rating back to ok, so I will trudge on and be thankful Ive been thrown a life line from IRD :)
At least I dont have to be bankrupt :)
i have only spoken to Baycorp not any credit agency. Dont spose they would write the debt off...
Yes they would have. Tell me whilst your on here - your not off defending the worlds criminals :)? I think this is such a cool service....
It has helped me be strong and deal with this vs hide my head in the sand.
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