Business

This article explains the main debt recovery options available in New Zealand. It outlines what to do before taking legal action, when to use the Disputes Tribunal, District Court, High Court, or a statutory demand, and what happens if a debtor does not pay. It also explains key time limits, enforcement options, and practical factors to consider when deciding how to recover a debt.

Enduring Powers of Attorney (EPAs) are becoming increasingly important in New Zealand as dementia rates rise and more people face a loss of decision-making capacity. An EPA allows you to choose trusted individuals to manage your personal care, medical needs, and finances if you are unable to do so yourself. Without one, families may need to go through costly and time-consuming court processes. Setting up an EPA early ensures your wishes are respected, reduces stress for loved ones, and provides greater certainty for the future.

It is easy to assume that if something happens to you or a loved one, your family will simply sort everything out. But if you die without a valid will in New Zealand, the law decides how your estate is dealt with. This is known as dying intestate. For many families, this can create added stress, delay, and uncertainty at an already difficult time. Instead of your wishes guiding what happens, legal rules determine who can manage your estate and who may receive your assets.