Each Individual is entitled to a copy of their Credit Report. Here at DebtColl we can provide you with details on how to obtain a copy of this report, give advise on how to raise a dispute on the report and give you information on what requirements are necessary for creditors to have loaded a default on your Credit Report. We provide you with information on how to have an enquiry removed or updated. You identify anything that you believe to be incorrect with the reporting agency. For a fee of $39.95 Incl. GST (excluding reporting costs) Click here to order your Credit Report What To Do Document. We will provide you with a document that outlines what you should do, how to raise a dispute and how to obtain information that is required in order for this default to be listed.
If you would prefer that we act on your behalf with the reporting Agency or the Company that loaded the default please, Click here to contact one of our trained professionals.
There may be a number of incorrect inquiries or default listings against your name that may have been incorrectly loaded or the credit report may not be reflecting your true credit position.
You may have a repayment arrangement in place with a creditor, negotiated a settlement or a Summary Installment Order however your personal credit report may not reflect the correct balance or status.
It is of most importance that this report reflects true and accurate information for obtaining correct credit assessments when applying for finance or even future employment.
Here at DebtColl we have trained professionals that deal with financial providers and reporting agencies on a daily bases and have designed procedures and letters that reduce the amount of run around an individual may experience, therefore reducing your time and energy dealing with difficult situations.
Our trained professionals knowledge of certain legal requirements for loading or making enquiry lodgments on your credit report, therefore we are able to have certain enquiries removed or updated to reflect your true correct information.
Has your motor vehicle or goods been repossessed and you not to sure on your legal rights to get it back, require professional help?
Here at DebtColl we can help, our trained professionals have the experience of dealing with financial and other institutions in negotiating a win/win solution.
It all depends on your current situation and at what stage the repossession may be at.
Have you received a default notice?
Has a repossession agent visited you?
Has the asset just been picked up? Have you been advised the asset is to be sold?
DebtColl Limited have designed set documents to assist you in certain areas of the repossession process, these documents will outline requirements that need to have been or be met by the Companies involved. These documents may assist you in your negotiations with the Company involved.
If you have no success with negotiating with the Company and require, DebtColl can work through a number of possible solutions for your current situation, Click here to contact one of our trained professionals.
* What to do documents are supplied as a guide only; as to what action may be taken and are not supplied as legal advise. If you have any doubt please contact DebtColl Limited directly for professional services or obtain Legal Council.
Default Notice – What To Do Document * $29.95(Incl. GST).
Repossession Agent – What To Do Document * $29.95(Incl. GST).
Asset Repossessed / Asset to be Sold – What To Do Document * $29.95(Incl. GST).
How Debt Settlement Works - What We Will Do
How Debt Settlement Works:
Negotiations and settlements are positive, unlike bankruptcy, which should be your choice of last resort.
What We Will Do:
Our professional advisors will inform you about the benefits of our debt settlement program and tailor a plan specifically designed for your success. Click here to contact one of our trained professionals.
An Alternative to bankruptcy, or if you are not current on your debts and have a history of late payments; a settlement program can improve your credit rating, get you back on track, and help preserve your credit for the future.
Here at DebtColl our group of expert negotiators will settle with your creditors for a dramatically reduced amount. The creditor will be aware that you have found an alternative to bankruptcy, thus you will have an opportunity for future credit.
The question as to whether bankruptcy is the right solution for your personal and future financial situation, as bankruptcy is very complex. There are many issues to be reviewed when determining the right solution to your debt problems. If you are considering bankruptcy, the trained professionals at DebtColl can help. Click here to contact one of our trained professionals.
Changes to the Insolvency Act 1967 and the new Insolvency Act 2006 has introduced a No Asset Procedure that is administered by the Ministry Of Economic Development, this went into effect December 2007. It is critical for you to understand these changes and their impact on your financial decisions. DebtColl’s trained professionals can and are here to advise you of the changes, we can review the best course of action for you to take. Click here to contact one of our trained professionals.
DebtColl offers Pre-Bankruptcy consulting to help you fully understand all the options that are available to resolve your financial difficulties. This consultancy, upon completion will give you a better knowledge of what steps to take to best suit your financial decision. Click here to contact one of our trained professionals.
DebtColl offers training and budgeting education courses to assist in your future financial decision. (Link) please click here for full details. DebtColl will help you develop a plan for your financial future before your discharge.
If you are a Legal Professional or Budget Advisory Services practicing in New Zealand who would like to refer your clients to us for bankruptcy consultancy and/or pre-discharge debtor education, please click here.