Highlights of this report


Alternatives


What you can do to reform your finances. Read more

How it works


What you need to know about filing for bankruptcy. Read more

Debt collectors


What they can and can't do. Read more


Join now

Get full access to all Consumer reports for as little as $1.85 a week

  • Over 500 reports plus interactive tools and calculators
  • Independent advice from NZ's trusted source of information
  • Join over 65,000 members who help us get all NZers a fairer deal

Join Consumer now and make your decisions easy on a huge range of products and services

  • Over 500 reports, plus interactive tools and calculators
  • Independent advice from NZ's trusted source of information
  • Join over 65,000 members who help us get all NZers a fairer deal

from just $28

Join now
Read what our members say

Bankruptcy-hero

If your debts run out of control or you're owed money, knowing your rights and understanding bankruptcy can help you get through.

In this report, we explain how the law of bankruptcy works, and what your rights and obligations are if you're declared bankrupt.

We also discuss alternatives to bankruptcy, and where to get more help.