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I am an New Zealand citizen, a single mom of two children I
Hi I am an New Zealand citizen, a single mom of two children I am in a finacial situation as I have had surgery and sick children which has resulted in alot of sick leave. … read more
Chris The Lawyer
Chris The Lawyer
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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
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I applied financial hardship to my kiwisaver i applied full
I applied for significant financial hardship to my kiwisaver i applied for my full available balance but they gave me just the partial one or maybe not even of it. Now i would like to know if i can st… read more
Chris The Lawyer
Chris The Lawyer
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Can I place a lien on a property in NZ for a debt which is
Can I place a lien on a property in NZ for a debt which is owed in Samoa by the owner of the NZ property?… read more
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Hi, I lived in NZ a few years ago and had a loan with a
Hi, I lived in NZ a few years ago and had a loan with a bank. I moved to Australia for work 3 years ago. I was continuing to pay the loan bank, however at the end of last year the bank closed my accou… read more
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Greetings, what a relief to have access to your service. Thank
Greetings, what a relief to have access to your service. Thank you. I wish to dispute the actions of an accounting firm that was directly referred to me under a mentor program with NZTE to which I qua… read more
Chris The Lawyer
Chris The Lawyer
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I was involved in a Business with my partner as a Director
I was involved in a Business with my partner as a Director and 50% shareholder. The relationship has dissolved and now I have been served with Civil Action papers for Debt incurred by the company, my … read more
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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
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i can not afford to pay my old business debts of 20,000 and
i can not afford to pay my old business debts of 20,000 and i heard i can apply for a one of get out of jail free pay out, is this true… read more
Chris The Lawyer
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I am planning to lodge NAP (no asset procedure) as I believe
I am planning to lodge NAP (no asset procedure) as I believe I won't be able to pay my debts. I provided personal guarantee for the commercial lease on behalf of the company I own. My company can not … read more
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Chris The Lawyer
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Hello If have a summary judgement against me to repay a personal
Hello If have a summary judgement against me to repay a personal guarantee in New Zealand and the only assests I have remaining are in the form of 2 properties in Fiji (these properties have no mortga… read more
Chris The Lawyer
Chris The Lawyer
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Master's Degree
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Hi Chris, I have spent some time talking to the Insolvencies
Hi Chris, I have spent some time talking to the Insolvencies service in NZ. They are telling me the following things: 1. She can't file for NAP until her business is officially insolvent. I have no id… read more
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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
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We have been paying off a debt for some time, the arrangement
We have been paying off a debt for some time, the arrangement of which was to pay $100 for 3 months and from then on $400 per month until the debt was paid up. We did this for several months but I was… read more
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Chris The Lawyer
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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
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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
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I owe the BNZ $5000 for a credit card debt. I have explained
I owe the BNZ $5000 for a credit card debt. I have explained to them that I am unemployed and on a benefit which just covers my rent and food with nothing left. I have no assets. I live in a Salvation… read more
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I am a director of a company which has had a high court ruling
I am a director of a company which has had a high court ruling (Dunedin NZ) ( due to defence statement NOT being lodged) that we pay an amount of $930,000.00 by March 1 2010. The intended Conference i… read more
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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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