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adviceguy111

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  1. No problem. I still recommend seeking independent advice but if you have no other option it's great for those overseas as the conditions of bankruptcy are mostly not enforceable unless you have stacks of assets the IRD can go after.
  2. You can absolutely apply for insolvency from outside New Zealand. A friend of mine used this option and is now student loan free. insolvency.govt.nz Register here. I cannot recommend this option enough for those without sizable assets. Send the NZ government a message.
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