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I have a NZ Student loan with the IRD and am now living in
Hi Chris, I have a NZ Student loan with the IRD and am now living in the UK. I am considering filing for bankruptcy in NZ as I am unable to repay the loan and do not see myself returning to NZ to live… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
I have over 100k tax debt and a mortgage I cannot afford to
I have over 100k tax debt and a mortgage I cannot afford to cover. My relationship has fallen apart and I no longer can live in that house so I am considering bankruptcy as I no longer earn enough to pay my tax bill and cover my mortgage. I am looking for advice on what would be good options in my situation. … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
I am equal owner in a property on leasehold land. I'm going
Hi. I am equal owner in a property on leasehold land. I'm going to buy out the other party. I only buy the property on the land, right? That is, the land value isn't relevant in terms of the purchase?… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
I owed ANZ bank 80k 2011, this has passed to Baycorp. I went
I owed ANZ bank 80k 2011, this has passed to Baycorp. I went bankruptcy on 2013 and recently discharged. ANZ agree that I am covered by bankruptcy I shall not pursue the money, as I requested they ask… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
My wife and i separated 4 years ago, the bank forced the
My wife and i separated 4 years ago, the bank forced the sale of our home due to arrears in the mortgage. The property sold with a $35,000 still owing, my wife has gone bankrupt, the colection agents … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
A leasehold property [a 3 bedroom house] in Auckland has
A leasehold property [a 3 bedroom house] in Auckland has ground rent reviews at 7 year intervals. The amount payable is calculated as a % of the land value. The land value has increased to an unforsee… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
I split up from my wife in August last year. Mainly due to
I split up from my wife in August last year. Mainly due to our financial status. I have just received a letter (to my horror) from Baycorp representing the ANZ. They state we still owe $149,000.00 on … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
I have a house in North shore, with cross lease of total 19
I have a house in North shore, with cross lease of total 19 Units. Each house is independent, only with garages to adjacent. Now in my backyard I have big tree and council gave permission to cut it do… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 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
24,028 satisfied customers
Hi, Is it possible to set up a leasehold on a property these
Hi, Is it possible to set up a leasehold on a property these days and if so where can I find information on how to do it and pros and cons etc? I am in Christchurch. ie I was wondering if it possible … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
Hi there, Can you help ? My ex partner went bankrupt in 2009
Hi there, Can you help ? My ex partner went bankrupt in 2009 and the bank and I were sent a letter disclaiming the property around 8 - 12 weeks later which to me seemed like it was just the assignee s… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 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
24,028 satisfied customers
Hi, Im from New Zealand, and for the past few years ive been
Hi, Im from New Zealand, and for the past few years i've been trying to clean the mess my ex husband left behind when he went bankrupt. After he went bankrupt all the debt came to me including a mortg… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
Hi, what rights do the spouse and children have when the "bacon
Hi, what rights do the spouse and children have when the "bacon supplier" gets made bankrupt? The back story is my husband who was self employed and I a stay at home mum caring for 3 young children as… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
years ago my son and wife bought a old first house and as parents
years ago my son and wife bought a old first house and as parents we went garantor to westpac bank .my son and his wife and children live in the house and also bought a small business and although is … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
I have a problem with a debt in the hands of a debt collector
I have a problem with a debt in the hands of a debt collector that relates to the seizure and sale of a property in Australia as was wondering if you could give me some advice. I understand that we ne… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
hello we are having financal problems and are considering bankruptcy.
hello we are having financal problems and are considering bankruptcy. We have for the last 2 years been trying to stay on top of all the payments but it seems it's not enough to keep the wolves at bay… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 satisfied customers
Hi. Just got served by our bank for default of our mortgage
Hi. Just got served by our bank for default of our mortgage arrangements. Am separated from my husband and I did advise the bank when my husband left me 19months ago that he had left me and I could no… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
24,028 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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