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My daughter suffers from -polar and chronic fatigue
My foster daughter suffers from bi-polar and chronic fatigue syndrome. She suffers from wide swings in mood. When she was hyper last time she incurred massive debts which she has no hope of ever payin… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
I am 73 years old and are now going through a very bad time
Good Afternoon, I am 73 years old and are now going through a very bad time in my life....lost my job due to Covid....i owe 17,000 on my credit card and $6000 to the farmers....my only income is from … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
My son is 35yrs old and suffers deep depression he is on a
Hi my son is 35yrs old and suffers deep depression he is on a sickness benefit. It has come to my attention he owes a finance company $5000 and another company $13000. He is unable to pay it back can … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Chris, I have got into financial strife here i can no longer
Hi Chris, I have got into financial strife here i can no longer service my credit card and am looking at going into bankruptcy. What are my options … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Chris, I have a ($20,000) Student loan that has now accumulated
Chris, I have a ($20,000) Student loan that has now accumulated late fees, interest an penalty's as I reside in Australia. I have made only minor repayments and want to know where I legally stand as I… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Hi there. I live in Australia and have permanent residency
Hi there. I live in Australia and have permanent residency here but have a $70k student loan in NZ. I am unemployed here in Australia but I do have $3000 in a savings account. I also have a car worth … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
HI If i own a business which owes $200-300K and i am a personal
HI If i own a business which owes $200-300K and i am a personal guarantor what is the impact on me if i declare bankruptcy? Is my house safe if it is my wifes name in a trust and i am a trustee and no… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Hi Chris, i have been reading the various post/comments regarding
Hi Chris, i have been reading the various post/comments regarding having a NZ Student Loan while living in Australia. I too fall into this category; as such i am investigating the options available to… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
I am having the most difficult time ever in my life and I
I am having the most difficult time ever in my life and I am afraid that I have to give up my property in Auckland sadly. I have to pay my mortgage of NZ$625 every fortnight which is more than what I … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Hi, I have an investment property in Australia which is
Hi, I have an investment property in Australia which is currently in negative equity. I need to sell it as I can't afford the repayments and there is also a predicted long term stagnation in that prop… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
I have been living with my partner for 3 months and our super
I have been living with my partner for 3 months and our super pension now reflects this in our pension payments. My partner is filing for bankruptcy as a result of her divorce and property sale losses… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Hi Chris, Myself and my wife/kids moved to OZ almost 4 years
Hi Chris, Myself and my wife/kids moved to OZ almost 4 years ago. We both had a house (rented out) in nz and some other obligations still being paid in nz. I and my wife were fulfilling our obligation… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
I left Aus 3yr ago, now reside in NZ. I have just been told
I left Aus 3yr ago, now reside in NZ. I have just been told by an Aussie DCA that I owe >AUD$7k in relation to a credit card default (which is news to me). They were assigned the debt June 2008. Th… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Hey Chris, Hope all is going well. A follow on to this -
Hey Chris, Hope all is going well. A follow on to this - we have made an offer. They have been silent - not returning phonecalls or emails for five days now. My suspician is that they are preparing to… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Hi, I own a business that has gone under. One of the creditors
Hi, I own a business that has gone under. One of the creditors of the business was the owner of the property we lease which was leased for 36 months and still has 12 months remaining. We requested to … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Hi Chris, I have been a resident of Canada for 1 years
Hi Chris, I have been a resident of Canada for 1 ½ years – have been a non-resident of NZ for about 11 years. I have had a student loan since 1998 –I have paid back approximately 11,000 NZD (principal… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
I have a problem with an overseas debt I returned to New Zealand
I have a problem with an overseas debt I returned to New Zealand 18 month ago having lived in Australia for 25years.I left a debt of $7000 with St George Visa,they have now sold it to a collection age… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers
Our daughter is currently residing in Germany and has a debt
Our daughter is currently residing in Germany and has a debt with the BNZ Bank of approximatley 4K - this has been passed on to EC Credit Control. Erin does not have any assets in NZ or Germany and ha… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,281 satisfied customers

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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