New Zealand Law
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There is no problem with you contacting the judgment creditor's solicitor to discuss a payment plan. They will of course need to get instructions from the judgment creditor as to any proposal. The High Court does not approve or disapprove any terms of payment because the only issue for them, will be whether the judgment creditor wants to proceed on the next step which is the application for bankruptcy.
My suggestion is that you set out your assets and liabilities and your income and make an offer for payment over a period of time. If this is not a large debt, and you can pay this off over 2 to 3 years they are likely to consider the offer. But you should be aware that they don't have to accept any offer of payments, and if you cannot pay, they can proceed to your bankruptcy.
Please let me know if you have any further questions. Sometimes if you have no prospect of paying the debt, and if you do not have any assets, then bankruptcy can be an option because this wipes the debt completely. It will of course affect you for the three-year period of bankruptcy
They do have the option of refusing any repayment plan and can insist on payment in full. But try and negotiate, and present a picture that if they bankrupt you, they will get nothing, whereas if you are permitted a payment plan they will get paid. If you do not succeed in negotiating a deal, then the government agency which deals with bankruptcy, he Official Assignee, will place a charge on your house, and possibly sell the property. The ANZ bank is unlikely to take any steps as long as the payments are made on the mortgage. Because they have security for the debt, they will not be concerned.
Yes, you can. This notice is the first step in bankruptcy and doesnt affect travel plans
Sure, no problem
That seems pretty good, and is certainly better than they would get if they bankrupted you, so send this to them
Yes, that would be useful
You would either pay the lawyer or the trustees, usually by automatic payments
You would have logged in your credit card and selected the payment, and that is what is charged. It's not a large sum but I hope this has been a useful service
Glad to help