New Zealand Law
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Is it the debt collectors fees which you cannot pay? If that is the case then my first suggestion is to start paying them by small instalments each week or fortnight and they wont refuse this. This will take the pressure off you and they will stop hassling you. So get their bank details and just start paying whether they agree or not. If you dispute the amount then you should apply to the Disputes Tribunal and get the correct amount resolved. The tribunal will also set the amount you need to pay each week.