Guarantors How debts are recovered through the courts Disputes Tribunal Act 1988, ss 10, 37; District Court Act 2016, s 74 Legal action can be taken against you to recover a debt in: the Disputes Tribunal, if the debt is $30,000 or…
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Guarantors Repossession Overview of restrictions on repossession If you fail to pay a debt, there are circumstances where someone might come and seize your things to sell to pay the person you owe money (see: “How Court judgments are enforced”, and “When…
Guarantors Use of disabling devices on goods What is a disabling device? Credit Contracts and Consumer Finance Act 2003, ss 83M, 83ZN(1) Some credit contracts allow the lender to attach a disabling device to goods that are subject to a security interest…
When you can’t pay your debts: Bankruptcy and other options Overview If you can’t repay your debts and you believe that this won’t change, you may consider the following options as ways of dealing with your debts: bankruptcy – the most serious…
When you can’t pay your debts: Bankruptcy and other options Bankruptcy What is bankruptcy? Insolvency Act 2006, s 7, Parts 2-4 Bankruptcy is a way of dealing with debts that you cannot pay. It clears most of your debts (meaning you no…
When you can’t pay your debts: Bankruptcy and other options The no-asset procedure What is the no-asset procedure? Insolvency Act 2006, ss 377, Part 5, subpart 4 The no-asset procedure is an alternative to bankruptcy. The procedure gives you protection from creditors…
When you can’t pay your debts: Bankruptcy and other options Debt repayment orders What is a debt repayment order? Insolvency Act 2006, ss 340, 345, 346, 349, Part 5, subpart 3 A debt repayment order sets up a repayment plan with people…
When you can’t pay your debts: Bankruptcy and other options A creditor’s proposal What is a “creditors’ proposal”? Insolvency Act 2006, ss 325-339 A creditor’s proposal is an alternative to bankruptcy and is a private but formal arrangement between you and the…
Where to go for more support Legal information and support groups Community Law Your local Community Law Centre can provide you with free initial legal advice. Find your local Community Law Centre online: www.communitylaw.org.nz/our-law-centres Consumer Protection The Consumer Protection website has useful…
Tenancy and housing Renting a place to live What this chapter covers Introduction Who’s who and special rules when it comes to tenancy and housing Who’s covered by the minimum tenancy protections The kinds of tenancy arrangements covered by the minimum legal…
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