Many people have bad experiences when they try to negotiate directly with the IRD. Examples include:
- Borrowers who are not given all the possible options by the IRD, just the ones that suit the IRD.
- Borrowers who pay money to the IRD because are told that they will receive a write off when there was never any intention by the IRD to provide this.
- Borrowers who receive letters from the IRD where the arrears amount misleadingly appears to be the full amount of the debt. The person pays the arrears amount thinking this is the end of the matter and then the IRD asks for more – much more.
- Borrowers who find that the IRD provides their personal details to other borrowers.
- Borrowers who are told by the IRD that their loan is paid off, and then they find years later that the IRD made a mistake and the actual debt is now tens of thousands of dollars. The IRD then aggressively pursues the borrower, not caring about the stress and hardship caused by their mistake.
- Borrowers who have been told by the IRD that they can't declare bankruptcy from overseas (wrong).
- Borrowers who are told by the IRD that the no assets procedure is just as good as bankruptcy (it doesn’t get rid of your student loan).
Please contact us to discuss your situation and how we may be able to help.