Business

Unpaid debts and commercial disputes can quickly disrupt cash flow and business relationships. Whether you're seeking payment or responding to a claim, understanding your legal position early can help you resolve the issue efficiently, minimise costs and protect your commercial interests.

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.