Recent Testimonials
All testimonials are genuine and we will provide a random sample upon request (with personal client details deleted):
Bankruptcy client (Australia - November 2018):
I appreciate all of your help and the fluidity and ease of this process, you have made a very daunting and unusual process so much less scarey and stressful.
Bankruptcy client (USA - October 2018): Wow. What a strange feeling ! So much relief, I feel like a chain has been taken off my neck.
Bankruptcy client (Europe - October 2018): Thank you Kristina. I’m very grateful to you for your efficient support with the service you have provided.
Bankruptcy client (Asia - October 2018): Kristina has a no-nonsense approach to her work. She understands your concerns and works diligently to come up with a solution that is best for your situation. She is direct in her communication but above all, she is prompt. Every time I needed to speak with her, despite the time-difference, she would reply within 24 hours. She answered all of my questions to the best of her knowledge and her understanding of the topic is vast. All told, I waited 1 month for my situation to be resolved. Thanks Kristina and her team - I am forever grateful.
Bankruptcy client about to be discharged after 3 years (October 2018): I really appreciate your knowledge and services through this period. It has been life changing.
Bankruptcy client (October 2018): I think you have done a wonderful job and I feel a massive weight off my shoulders.
Bankruptcy client (Australia - October 2018): Thank you very much for all of your help. It has been a stress-free experience :)
Bankruptcy client's mother (September 2018): As a mother, I want to thank you for your incredible effort patience and professionalism in handling [xxxx's] dilemma. We are so appreciative and relieved as he is. Many thanks Kristina. Love [Mrs xxxx]
Bankruptcy client's partner (September 2018): We just wanted to ensure you received all the documentation and we are officially lodged – countdown, 2 years, 11 months until discharge… We also wanted to thank you for all of your time and efforts – you’ve truly made a very unpleasant and demeaning situation bearable with sound advice and professionally follow-up. Big hug from us both! Sincerely, [xxxx]
Bankruptcy client (September 2018): I would like to thank you for your assistance during this process. It is very overwhelming and stressful and has been exacerbated and delayed by a series of unfortunate events over the last 12 months. I am certainly looking forward to moving on and planning for a different looking future.
Bankruptcy client (September 2018): Thank you for all your assistance throughout the process.
Bankruptcy client (August 2018): Thanks again for your assistance.
Bankruptcy client (August 2018): Thanks for your help and support. I really appreciate it.
Bankruptcy client's partner (August 2018): Again and from both [xxxx] and myself, thank you very much for all of your efforts – we truly appreciate all that you’ve done on [xxxx’s] behalf!
Bankruptcy client (August 2018): That's a relief. I can begin to rest easier now. Thank you very much for your help Kristina. I really appreciate what you have done in helping me go ahead with this.
Bankruptcy client about to be discharged after 3 years (August 2018): My time as a bankrupt is nearly completed which is great. I want to thank you again for everything that has helped relieve a lot of anxiety and stress.
Bankruptcy client (August 2018): Many Thanks for your support and guidance throughout the process.
IRD resolution client (June 2018): I am so glad I found this service online. You have been nothing but prompt, clear and concise in your communications with me. I have greatly appreciated your assistance over the previous 3 months. After getting nowhere fast with my interactions with the IRD, through your knowlege and expertise I was so happy to have all of my late penalties deleted, which reduced my loan payout amount by over a third. My balance is now officially $0. Thanks so much!
Bankruptcy client who had been discharged after 3 years (June 2018): Because of Kristina's help, I am now automatically discharged from my bankruptcy ! Three years ago I had a hefty amount of student loans with the interest steadily increasing. I was (and still am) living overseas and didn't know where to begin. I begin researching online and came across the studentloan.org.nz website. The fees were affordable, the website showed steps to bankruptcy as well as the choices that are available so I contacted Kristina and asked for her help. I found Kristina to be extremely knowledgeable, understanding and knew exactly what options were available to me and where to start. If I had questions she was able to answer each one. She was also able to help me file the necessary paperwork to travel back to New Zealand for my mother's funeral. From the very beginning to the end Kristina made the whole process of a bankruptcy a lot less scary than I had anticipated. My stress was kept to a minimum due to Kristina's expertise and service. I'm so glad I made the decision to use Kristina's services !! I would thoroughly recommend her to anyone thinking about declaring bankruptcy. Thank you Kristina !!! Thanks again for everything ! All the best supporting others in their financial concerns !
Bankruptcy client (June 2018): Thank you for helping with this I really appreciate it.
Negotiation with IRD to reduce the debt (May 2018): Thank you very much for the help and really appreciate it, cheers!! Kind regards,
Client considering student loan bankruptcy (May 2018): Thanks for the work you do, it is incredibly stressful to be in this position and I appreciate your time,
Negotiation with IRD to reduce payment amount (May 2018): That is good news! Thanks for letting me know. Your assistance throughout this process has been very much appreciated. If you would like me to write a review for your website, i would me more than happy to.
We worked with this client for several years and he has now been discharged from bankruptcy: This week I received an email with a letter confirming my release from bankruptcy. I would like to sincerely thank you for your help during the process. I am very grateful as it was a stressful and challenging time. Best of luck supporting others in financial trouble. I believe you are providing an excellent service and are making a difference in peoples lives. Regards,
IRD Negotiations on Payment Amount (April 2018): Thank you for advising me of the results of the negotiations with the IRD. I am pleased with the outcome and accept the offer. I will arrange payment of the full settlement sum to the IRD well before the 17th May 2018. Thank you for all that you have done. Your assistance is greatly appreciated.
Student loan bankruptcy client (April 2018): Thank you very much. Regards
Student loan bankruptcy client (April 2018): Thank you very much! I was so surprised it went so quick! Kind regards
Student loan bankruptcy client (March 2018): Thanks a lot.
Student loan bankruptcy client (March 2018): Thank you for your excellent service and I really appreciate.
IRD Negotiation Client: I got the feeling of confident that you are the God-Hand to help me debt free from student loan. I can sleep well at night and I feel good doing the right thing so I wouldn't ashamed of my self.
Existing bankruptcy client where contributions were due but we negotiated the removal of these: Hi Kristina, Thank you, that is really great news! Thanks so much for getting a response so quickly, I really appreciate it and it’s a relief to know.
Student loan bankruptcy client (March 2018):Thank you so much for your help I really do appreciate it.
Student loan bankruptcy client (March 2018): Once again, thanks for your help.
Negotiation with the IRD for payment of a reduced amount for the full debt: Today I received IRD letter, which is confirming that my student loan was paid off. I want to say thank you for your support and all your assistance in resolving my student loan matter. Kindest Regards
Negotiated payment arrangement with the IRD: It’s great news. Thank you for your work on this. I have spoken to IRD and set up a monthly direct debit of $xx
Student loan bankruptcy client (March 2018): Thank you so much Kristina. When i hear of others in my situation, I shall send them to you.
Student loan bankruptcy client (March 2018): Thanks for all your help in getting this finalised.
Student Loan Bankruptcy (March 2018): Thank you so much for your hard work Kristina... I am truly grateful...What a huge weight off my shoulders...
IRD write off/settlement (January 2018): Hi Kristina, I received the letter from the IRD today saying that the student loan has been repaid. I also received a statement showing the current loan balance as $0. It’s great to finally put this matter to rest! Thank-you for all your help Kristina. Kind regards,
Student Loan Bankruptcy (January 2018): Hi Kristina, I am so thankful for all of your help, you did such a wonderful job with my bankruptcy.
Student loan bankruptcy (January 2018): Hi Kristina, I received confirmation of the bankruptcy. Thank you so much for your assistance, is there somewhere I can post a public review?
Negotiated IRD student loan debt settlement (January 2018): Hi Kristina, Yes, I just received a letter from them with a whole lot of weird accounting reversing payments and such to bring my balance to zero. Obviously a clerical error which they've gone in and resolved. Thanks so much for all your help,
Student loan bankruptcy (December 2017): I know you probably hear this all the time but I wanted to thank you for helping me get a grip on my core debt issues there (and now here). While I work for a [...] I grew up pretty poor and never really understood money in general and particularly what I was doing to myself since moving here. I guess it's a combination of self punishment and low self worth. The student loan made me very depressed for a number of years and I gave up trying to sort my total financial situation long ago sabotaging myself in a constant cycle of financial stress. Thank you for your patience with me. It's been a long road finding my way back to me and that i am worth something regardless of what anyone else may ever think of me. No matter the outcome with the Assignee thank you for your time, it's been invaluable to me. Regards,
Student Loan Bankruptcy (late December 2017): Thanks Kristina❣ Have an awesome Christmas & New Year. I'll keep you in the loop once I hear back in January. Seriously appreciate all you help and advice.
Lengthy IRD negotiations (concluded December 2017 after having also considered bankruptcy): Id like to give my appreciation to you for bearing with me through this process, despite the unfortunate and lengthy circumstances. Your advise, insight and kind support has helped me in this difficult decision making process considering my lack of income and overall situation. Sincere thanks and all the best,
Student loan bankruptcy (our client found it emotionally difficult to become bankrupt and we were able to provide support and assistance to get her life back on track- November 2017): Hi again Kristina, Thank you once again for your assistance, in many ways this is one of the most humiliating things I have ever had to go through but I have been grateful for the professionalism of your team. Kind regards
Student Loan Bankruptcy (November 2017): Hi Kristina, Please find the form attached, however let me know if I'm meant to post it to you instead. Thank you so much for your efforts, I sincerely appreciate how you've assisted me through this daunting process. Kind Regards,
IRD negotiated resolution (November 2017): Morning Kristina, This is ABSOLUTLEY WONDERFUL news & an astronomic relief. Thank you so much... Kristina, I am so thankful for you,your team and the service you provide. Having you as a buffer between myself and the IRD has quiet frankly been a god-send and I will ensure to reccommend you're services to as many OBB's whom are seeking assistance in this capacity. Thanks so much,
(OBB's are overseas based borrowers)
Student Loan Bankruptcy (September 2017): Hi Kristina, Thanks once again for everything you are doing to assist me, you are so prompt with communication, the complete opposite to my recent experiences dealing with the IRD who can take up to 4 weeks to answer an email. Kind regards,
IRD negotiated resolution (August 2017): Hi Kristina, I will accept this amount and make arrangements to pay it to the IRD. Thank you again for your assistance in resolving this matter, it is greatly appreciated. Kind regards,
Student Loan Bankruptcy (August 2017): Hi Kristina, Thank you so much for all your work.
Student Loan Bankruptcy (August 2017): Thanks Kristina, that's great news. I will sign and return the form to you. Thanks for your help in all this, it's been a great service and what a weight off my mind. Regards,
Student Loan Bankruptcy (July 2017): Thank you Kristina, That is really great news to hear. I assume that now we finish communicating with you, so just want to say thank you for your effort during this stressful time. I know I had a lot of questions and appreciate your patience and responses. Thanks again,
Student Loan Bankruptcy (July 2017): Dear Kristina, First of all, we wanted to thank you very much that you helped [...] going through that bankruptcy, we really appreciate all your help in this matter and we are very happy that it all worked out. There is so much relieve now….Thanks & Kind Regards,
IRD Payment Arrangement (May 2017): All good and set up at my end. Thank you so much for your assistance with my case. I appreciate everything you've done and will highly recommend your services to my friends who maybe in similar positions. Thank you Kristina.
Student Loan Bankruptcy (May 2017): Hi Kristina, What a great news!! Just got out from hospital after year-long waiting operation and have found in a post box two letters from Inland Revenue. One about issuing a new IRD number and another one with title "Post-bankruptcy". It stated that after being declared bankrupt on [...] I no longer need to make repayments on my student loan. Thank you very much Kristina for providing such efficient assistance. I will definetly reffer your service to my [...] as she has got a student loan around $10K of principal amount. Kind Regards,
Student Loan Bankruptcy (May 2017): Hi Kristina, Thank you for your patience and for the way you handled my Bankruptcy. Its been a difficult decision for me to make over this past year but I'm glad that it has been sorted. Kind Regards
Student Loan Bankruptcy (May 2017): Great news! Thank you Kristina for the fantastic work!
Student Loan Bankruptcy (April 2017): Hi, Thank you so much for your help during this process. Its such a massive relief its all done. Thanks again,
Student Loan Bankruptcy (March 2017): Hi Kristina, That is amazing and thank you for your correspondence.
Student Loan Bankruptcy (February 2017): Hi Kristina, Here is the signed confirmation form. Thank you so much for all your help, what is generally the process from here onwards? best,
Student Loan Bankruptcy (February 2017): Hi Kristina, I am officially bankrupt!!! Thank you for your excellent service! You don’t know how much relieve I am right now…Thank you again! Regards,
Student Loan Bankruptcy (February 2017): Hi Kristina, Thank you so much for everything. Your service was excellent and I am very grateful for your fast and easy to understand service. I have enclosed the document. Kind regards.
Student Loan Bankruptcy (February 2017): Thank you Kristina. That is wonderful news. I will get access to a printer and scanner tomorrow and return the signed forms to you. Best wishes
Student Loan Bankruptcy (January 2017): Hello Kristina... Thank you so much for getting me to this point! I never imagined this as a option until my wife found your details and stories of people you have helped online. I will also join the praises of your works to others and will forever be in your 'debt'! Many thanks and kind regards.
Student Loan Bankruptcy (January 2017): Hi Kristina, I've received official confirmation of my bankruptcy with obligations etc. Many thanks for your assistance and patience! Regards,
IRD negotiated settlement and write off (January 2017): Hi Kristina, This is somewhat belated as I haven't dared believe that my situation is really finally sorted out until now. I just want to thank you for helping me sort out my student loan debt, and I hope you're more than faintly aware that the work you do helps a great many people out of a very difficult and stressful situation . You and your team are a positive force in the world and you deserve to take pride and joy in that fact. I'm sure I'm not alone in wishing each of you a long and very happy life. Bravo!
IRD negotiated settlement and write off (January 2017): Hi Kristina, Many thanks for your efforts on my behalf. Have a great weekend. Kind regards
IRD negotiated settlement and write off (December 2016): Thanks Kristina, I would like to accept this offer and will organise to make payment prior to the due date. Thank you for all your assistance. Let me know if you require anything further from me. Thanks,
Bankruptcy and complex budget related issues (December 2016): Hi Kristina,I have filled out a budget sheet on the same spreadsheet template we used last time as the sheet provided does not include room for more detail on some of my expenses. Could you please advise what the best way would be to format this to include everything? For example, it's important for me to account for the extra cashflow I need for work expenses. I am happy to provide evidence of these work expenses- which are reimbursed, but if I'm using my credit card to cover them I am not reimbursed for the interest accrued on the credit card and it can be up to two months between expense lodgement and reimbursement so I really need to ensure I am using "real" money if that makes sense. I have attached everything for your reference. Thank you so much, you have been super amazing through all of this! Best regards,
Student Loan Bankruptcy (November 2016): Hi Kristina, Please find attached the final page of the doc, signed and dated. So that's it then? I may or may not hear anything from the insolvency people for the next 3 years? Thanks so much for your assistance.
IRD negotiated settlement and write off (November 2016): Thanks for all of your help. Great service.
Student Loan Bankruptcy (November 2016): Thank you, Kristina, I am so grateful! You have been a wonderful adviser, thank you so much!
Best regards,
Student Loan Bankruptcy (Novmeber 2016): Hi Kristina, Thank you for the seamless service that you provided me with my bankruptcy. I will be recommending your services. Everything went very smoothly but I just have one small thing to check with you. Last week I received an invoice from Inland Revenue regarding my overdue tax. The invoice is addresser to "official assignee in bankruptcy of [...]"I remember we included the tax in the bankruptcy filling. Not sure what to make of it. Is it just a copy sent to me? Regards
(Problem resolved as we usually provide ongoing care for our clients throughout their bankruptcy)
Student Loan Bankruptcy (October 2016): Hi Kristina, thanks so much for the information. You have been such a tremendous help. How do i go about posting a testimonial on your website? Kind Regards
Student Loan Bankruptcy (October 2016): Hi Kristina. Once again thank you for all your help!
IRD negotiated settlement and write off (October 2016): Hi Kristina, Just made payment of AU$......... to Western Union. Probably they won't get this until Monday, but it is at last done. (Insert smiley ). Thank you for your help, and patience.
Student Loan Bankruptcy (October 2016): Hi Kristina, Once again thank you for your effort and time. Contacting you was so worth the effort. Kind Regards
Student Loan Advice on Options (October 2016): Hi Kristina, I can't tell you how reassured I feel already having contacted you. The anxiety and stress related to this debt has been so pervasive. Taking this first step in itself has been incredibly scary for me. I would like to go ahead with next steps. I can pay through PayPal. Please let me know what I need to do to set up that transaction. My very best,
Student Loan Bankruptcy (October 2016): Hi Kristina, I have attached a signed receipt for my bankruptcy documents. Thank you for all your help with this. Regards
Australian resident advice client/IRD write off and settlement (June 2016): Thank you for your time and advice. I have walked away with a final figure of $..k which I will be paying as a lump sum as I had approval on my mortgage. It seems I can now come home again. Again thank you for your time
Australian resident advice client (June 2016): This morning I spoke to IRD and managed to get a remission of $........ from my student loan debt so today I payed $...... and cleared the full amount, I am now debt free in my student loan. Thank you for the advice and I will recommend you to my friends and family.
Australian resident advice client (June 2016): Thanks again for your efforts, I cannot thank you enough or explain just how much stress and anxiety this has placed on me, so thank you, you are doing incredible things for people who never intended to be in positions such as mine.
June 2016 (Bankruptcy client living in Asia): I would just like to express my gratitude say thank you very much. The application went through smoothly with no problems. I was really stuck and it was a very stressful thing to have hanging over my head for a long time with my small income and I had no way to be able to deal with it but you helped - well actually you saved my life truly. Your service was quick, concise and easy to follow and I would have no problem recommending you to anyone else who needed help. Thank you once again.
Australian resident - IRD write off and settlement (June 2016): Thanks for your help in facilitating the payout process. It is very nice to see that confirmation letter.
Bankruptcy client living in Asia (May 2016): I cannot tell you how greatly relieved I am.Thank you very much for all your help and guidance.
Bankruptcy client living in Australia (May 2016): Firstly thank you so much for your support with helping me to complete my application, I will most definitely recommend your services to others. Again thank you so much Kristina the stress relief is life changing.
May 2016: Thanks for your assistance in making this a painless process.
May 2016: Thank you for all your help with this, it's been invaluable in a very stressful time.
May 2016: Thank you to such a quick application process! You've certainly lifted the stress from my shoulders. My nails grew for the first time this past couple of week and I stopped biting them!!! Hahaha. Thank you very much!
May 2016: Thanks a lot for all your help
April 2016: Thank you for all of your help Kristina.
April 2016: Thank you so much for your support and your patience with me through this process. Words cannot really describe how damaging this debt has been to my mental health, your help and advice is monumental and has provided a time of light in the horrible darkness of what this crippling debt has been doing to me.
April 2016: Thanks Kristina, this is incredibly thorough and informative. Once again, thanks for your work, I really appreciate it, and its gone a long way to clear up the options available to me.
April 2016: I wanted to thank you for your considerable efforts in acting on my behalf with IRD. The outcome is fair and reasonable and more than I could have managed on my own. Many thanks.
April 2016: I would recommend Kristina and her team at Student Loans to anyone. Always efficient and accommodating, she provided me with different options to suit my needs whilst ensuring that I was well aware of the implications of my decisions. Going through the process of bankruptcy can be a daunting thought, but Kristina made it seamless and stress-free. Words can't express how thankful I am.
March 2016: Well then if that is all i would like to thank you very much for your excellent service, and i will recommend your services to people who need it again thank you
March 2016: Well thank you very much for all your help during this time. I have appreciated how patient you have been.
March 2016: First and foremost, I want to thank you again for your help with the questions I have had.
March 2016: Well done, Kristina - thank you so much for all your help and advice. I appreciate all the emails, the attention to detail, and the polite answers to silly questions you had to put up with from me.
February 2016: I'd like to sincerely thank you for your for your help. This has been a bit of a roller coaster for me and my partner, especially given I'd moved on from entirely from NZ.
February 2016: Thank you very much for your help in this matter. You have been an absolute God Send. I really cannot thank you enough.
February 2016: Just wanted to say thank you again for your help - you made a very stressful decision that much easier and life is a little happier for me!
February 2016: I'd like to thank you again for helping with my bankruptcy application. After seeing student loan debtors being arrested in the news, I feel a lot of relief with having made the decision to declare bankruptcy.
January 2016: Wow, thank you Kristina! I didn't expect them to budge at all, to be honest. I'm quite happy to pay that. Please let them know that I will make my first payment today.........it should make it into the assigned account by Tuesday. Thanks again & happy NY to you!!
December 2015: I'd like to take the belated opportunity to thank you for all of your efforts and work in sorting out my student loan with the IRD. By doing what you have done, and what I certainly could not do on my own, you have eased a great deal of pressure and stress in my life. Your persistence and dedication to helping others with a difficult, and sometimes extremely frustrating(!) organisation are fantastic. There aren't enough superlatives to express how thankful I feel when it comes to the miracles you have worked for me. I hope you have a great christmas, new year and have a lovely and well deserved holiday. Again, thank you so much. I hope you continue doing the very important service that you are doing. You are helping people in ways that some can't even fathom, but it's essential.
December 2015: Kristina with her wealth of knowledge, information & know how has been a valuable part of my financial life - I try not to imagine where I'd be without having had Kristina's input and expertise. 10 out of 10 for service, promptness and outcome. Many thanks again for all you do! Have a great Summer holiday.
November 2015: You guys are legends.
October 2015: I just wanted to say thank you so much for your guidance through this and how much your advice and help made all the difference in finally having this issue resolved, it has been a great load off my family shoulders and I am very grateful. If there is anything you need from me regarding any ongoing issues or requests please let me know, otherwise good luck with the RWC final this weekend and I am sure the All Blacks will smash it!!! Cheers again and thank you.
September 2015: I take this opportunity to thank you for the work and advice you gave me.
September 2015: The payment method worked and I made it into and out of the country without incident! Thank you so much for all your help in negotiating this arrangement.
August 2015:I would like to offer my sincere thanks for the work you have done to ensure my bankruptcy application was hassle free. It has taken a HUGE weight off my mind. thanks again
August 2015: I just wanted to get in touch at this stage and say THANK YOU THANK YOU THANK YOU to your organisation for helping people in our situation. Bless you all.
August 2015 (our work enabled a bankrupt client to obtain permission to retain a large tax refund): fantastic! thank you so much for all your work Kristina. Being able to keep the money is going to help out so much with my studies.
August 2015 (negotiated with the Insolvency Service/OA to have a contribution eliminated): That is literally the best news I've had in a long time.
I can't thank you enough for all the hard work you've put in to help me out!
Bankruptcy client (Australia - November 2018):
I appreciate all of your help and the fluidity and ease of this process, you have made a very daunting and unusual process so much less scarey and stressful.
Bankruptcy client (USA - October 2018): Wow. What a strange feeling ! So much relief, I feel like a chain has been taken off my neck.
Bankruptcy client (Europe - October 2018): Thank you Kristina. I’m very grateful to you for your efficient support with the service you have provided.
Bankruptcy client (Asia - October 2018): Kristina has a no-nonsense approach to her work. She understands your concerns and works diligently to come up with a solution that is best for your situation. She is direct in her communication but above all, she is prompt. Every time I needed to speak with her, despite the time-difference, she would reply within 24 hours. She answered all of my questions to the best of her knowledge and her understanding of the topic is vast. All told, I waited 1 month for my situation to be resolved. Thanks Kristina and her team - I am forever grateful.
Bankruptcy client about to be discharged after 3 years (October 2018): I really appreciate your knowledge and services through this period. It has been life changing.
Bankruptcy client (October 2018): I think you have done a wonderful job and I feel a massive weight off my shoulders.
Bankruptcy client (Australia - October 2018): Thank you very much for all of your help. It has been a stress-free experience :)
Bankruptcy client's mother (September 2018): As a mother, I want to thank you for your incredible effort patience and professionalism in handling [xxxx's] dilemma. We are so appreciative and relieved as he is. Many thanks Kristina. Love [Mrs xxxx]
Bankruptcy client's partner (September 2018): We just wanted to ensure you received all the documentation and we are officially lodged – countdown, 2 years, 11 months until discharge… We also wanted to thank you for all of your time and efforts – you’ve truly made a very unpleasant and demeaning situation bearable with sound advice and professionally follow-up. Big hug from us both! Sincerely, [xxxx]
Bankruptcy client (September 2018): I would like to thank you for your assistance during this process. It is very overwhelming and stressful and has been exacerbated and delayed by a series of unfortunate events over the last 12 months. I am certainly looking forward to moving on and planning for a different looking future.
Bankruptcy client (September 2018): Thank you for all your assistance throughout the process.
Bankruptcy client (August 2018): Thanks again for your assistance.
Bankruptcy client (August 2018): Thanks for your help and support. I really appreciate it.
Bankruptcy client's partner (August 2018): Again and from both [xxxx] and myself, thank you very much for all of your efforts – we truly appreciate all that you’ve done on [xxxx’s] behalf!
Bankruptcy client (August 2018): That's a relief. I can begin to rest easier now. Thank you very much for your help Kristina. I really appreciate what you have done in helping me go ahead with this.
Bankruptcy client about to be discharged after 3 years (August 2018): My time as a bankrupt is nearly completed which is great. I want to thank you again for everything that has helped relieve a lot of anxiety and stress.
Bankruptcy client (August 2018): Many Thanks for your support and guidance throughout the process.
IRD resolution client (June 2018): I am so glad I found this service online. You have been nothing but prompt, clear and concise in your communications with me. I have greatly appreciated your assistance over the previous 3 months. After getting nowhere fast with my interactions with the IRD, through your knowlege and expertise I was so happy to have all of my late penalties deleted, which reduced my loan payout amount by over a third. My balance is now officially $0. Thanks so much!
Bankruptcy client who had been discharged after 3 years (June 2018): Because of Kristina's help, I am now automatically discharged from my bankruptcy ! Three years ago I had a hefty amount of student loans with the interest steadily increasing. I was (and still am) living overseas and didn't know where to begin. I begin researching online and came across the studentloan.org.nz website. The fees were affordable, the website showed steps to bankruptcy as well as the choices that are available so I contacted Kristina and asked for her help. I found Kristina to be extremely knowledgeable, understanding and knew exactly what options were available to me and where to start. If I had questions she was able to answer each one. She was also able to help me file the necessary paperwork to travel back to New Zealand for my mother's funeral. From the very beginning to the end Kristina made the whole process of a bankruptcy a lot less scary than I had anticipated. My stress was kept to a minimum due to Kristina's expertise and service. I'm so glad I made the decision to use Kristina's services !! I would thoroughly recommend her to anyone thinking about declaring bankruptcy. Thank you Kristina !!! Thanks again for everything ! All the best supporting others in their financial concerns !
Bankruptcy client (June 2018): Thank you for helping with this I really appreciate it.
Negotiation with IRD to reduce the debt (May 2018): Thank you very much for the help and really appreciate it, cheers!! Kind regards,
Client considering student loan bankruptcy (May 2018): Thanks for the work you do, it is incredibly stressful to be in this position and I appreciate your time,
Negotiation with IRD to reduce payment amount (May 2018): That is good news! Thanks for letting me know. Your assistance throughout this process has been very much appreciated. If you would like me to write a review for your website, i would me more than happy to.
We worked with this client for several years and he has now been discharged from bankruptcy: This week I received an email with a letter confirming my release from bankruptcy. I would like to sincerely thank you for your help during the process. I am very grateful as it was a stressful and challenging time. Best of luck supporting others in financial trouble. I believe you are providing an excellent service and are making a difference in peoples lives. Regards,
IRD Negotiations on Payment Amount (April 2018): Thank you for advising me of the results of the negotiations with the IRD. I am pleased with the outcome and accept the offer. I will arrange payment of the full settlement sum to the IRD well before the 17th May 2018. Thank you for all that you have done. Your assistance is greatly appreciated.
Student loan bankruptcy client (April 2018): Thank you very much. Regards
Student loan bankruptcy client (April 2018): Thank you very much! I was so surprised it went so quick! Kind regards
Student loan bankruptcy client (March 2018): Thanks a lot.
Student loan bankruptcy client (March 2018): Thank you for your excellent service and I really appreciate.
IRD Negotiation Client: I got the feeling of confident that you are the God-Hand to help me debt free from student loan. I can sleep well at night and I feel good doing the right thing so I wouldn't ashamed of my self.
Existing bankruptcy client where contributions were due but we negotiated the removal of these: Hi Kristina, Thank you, that is really great news! Thanks so much for getting a response so quickly, I really appreciate it and it’s a relief to know.
Student loan bankruptcy client (March 2018):Thank you so much for your help I really do appreciate it.
Student loan bankruptcy client (March 2018): Once again, thanks for your help.
Negotiation with the IRD for payment of a reduced amount for the full debt: Today I received IRD letter, which is confirming that my student loan was paid off. I want to say thank you for your support and all your assistance in resolving my student loan matter. Kindest Regards
Negotiated payment arrangement with the IRD: It’s great news. Thank you for your work on this. I have spoken to IRD and set up a monthly direct debit of $xx
Student loan bankruptcy client (March 2018): Thank you so much Kristina. When i hear of others in my situation, I shall send them to you.
Student loan bankruptcy client (March 2018): Thanks for all your help in getting this finalised.
Student Loan Bankruptcy (March 2018): Thank you so much for your hard work Kristina... I am truly grateful...What a huge weight off my shoulders...
IRD write off/settlement (January 2018): Hi Kristina, I received the letter from the IRD today saying that the student loan has been repaid. I also received a statement showing the current loan balance as $0. It’s great to finally put this matter to rest! Thank-you for all your help Kristina. Kind regards,
Student Loan Bankruptcy (January 2018): Hi Kristina, I am so thankful for all of your help, you did such a wonderful job with my bankruptcy.
Student loan bankruptcy (January 2018): Hi Kristina, I received confirmation of the bankruptcy. Thank you so much for your assistance, is there somewhere I can post a public review?
Negotiated IRD student loan debt settlement (January 2018): Hi Kristina, Yes, I just received a letter from them with a whole lot of weird accounting reversing payments and such to bring my balance to zero. Obviously a clerical error which they've gone in and resolved. Thanks so much for all your help,
Student loan bankruptcy (December 2017): I know you probably hear this all the time but I wanted to thank you for helping me get a grip on my core debt issues there (and now here). While I work for a [...] I grew up pretty poor and never really understood money in general and particularly what I was doing to myself since moving here. I guess it's a combination of self punishment and low self worth. The student loan made me very depressed for a number of years and I gave up trying to sort my total financial situation long ago sabotaging myself in a constant cycle of financial stress. Thank you for your patience with me. It's been a long road finding my way back to me and that i am worth something regardless of what anyone else may ever think of me. No matter the outcome with the Assignee thank you for your time, it's been invaluable to me. Regards,
Student Loan Bankruptcy (late December 2017): Thanks Kristina❣ Have an awesome Christmas & New Year. I'll keep you in the loop once I hear back in January. Seriously appreciate all you help and advice.
Lengthy IRD negotiations (concluded December 2017 after having also considered bankruptcy): Id like to give my appreciation to you for bearing with me through this process, despite the unfortunate and lengthy circumstances. Your advise, insight and kind support has helped me in this difficult decision making process considering my lack of income and overall situation. Sincere thanks and all the best,
Student loan bankruptcy (our client found it emotionally difficult to become bankrupt and we were able to provide support and assistance to get her life back on track- November 2017): Hi again Kristina, Thank you once again for your assistance, in many ways this is one of the most humiliating things I have ever had to go through but I have been grateful for the professionalism of your team. Kind regards
Student Loan Bankruptcy (November 2017): Hi Kristina, Please find the form attached, however let me know if I'm meant to post it to you instead. Thank you so much for your efforts, I sincerely appreciate how you've assisted me through this daunting process. Kind Regards,
IRD negotiated resolution (November 2017): Morning Kristina, This is ABSOLUTLEY WONDERFUL news & an astronomic relief. Thank you so much... Kristina, I am so thankful for you,your team and the service you provide. Having you as a buffer between myself and the IRD has quiet frankly been a god-send and I will ensure to reccommend you're services to as many OBB's whom are seeking assistance in this capacity. Thanks so much,
(OBB's are overseas based borrowers)
Student Loan Bankruptcy (September 2017): Hi Kristina, Thanks once again for everything you are doing to assist me, you are so prompt with communication, the complete opposite to my recent experiences dealing with the IRD who can take up to 4 weeks to answer an email. Kind regards,
IRD negotiated resolution (August 2017): Hi Kristina, I will accept this amount and make arrangements to pay it to the IRD. Thank you again for your assistance in resolving this matter, it is greatly appreciated. Kind regards,
Student Loan Bankruptcy (August 2017): Hi Kristina, Thank you so much for all your work.
Student Loan Bankruptcy (August 2017): Thanks Kristina, that's great news. I will sign and return the form to you. Thanks for your help in all this, it's been a great service and what a weight off my mind. Regards,
Student Loan Bankruptcy (July 2017): Thank you Kristina, That is really great news to hear. I assume that now we finish communicating with you, so just want to say thank you for your effort during this stressful time. I know I had a lot of questions and appreciate your patience and responses. Thanks again,
Student Loan Bankruptcy (July 2017): Dear Kristina, First of all, we wanted to thank you very much that you helped [...] going through that bankruptcy, we really appreciate all your help in this matter and we are very happy that it all worked out. There is so much relieve now….Thanks & Kind Regards,
IRD Payment Arrangement (May 2017): All good and set up at my end. Thank you so much for your assistance with my case. I appreciate everything you've done and will highly recommend your services to my friends who maybe in similar positions. Thank you Kristina.
Student Loan Bankruptcy (May 2017): Hi Kristina, What a great news!! Just got out from hospital after year-long waiting operation and have found in a post box two letters from Inland Revenue. One about issuing a new IRD number and another one with title "Post-bankruptcy". It stated that after being declared bankrupt on [...] I no longer need to make repayments on my student loan. Thank you very much Kristina for providing such efficient assistance. I will definetly reffer your service to my [...] as she has got a student loan around $10K of principal amount. Kind Regards,
Student Loan Bankruptcy (May 2017): Hi Kristina, Thank you for your patience and for the way you handled my Bankruptcy. Its been a difficult decision for me to make over this past year but I'm glad that it has been sorted. Kind Regards
Student Loan Bankruptcy (May 2017): Great news! Thank you Kristina for the fantastic work!
Student Loan Bankruptcy (April 2017): Hi, Thank you so much for your help during this process. Its such a massive relief its all done. Thanks again,
Student Loan Bankruptcy (March 2017): Hi Kristina, That is amazing and thank you for your correspondence.
Student Loan Bankruptcy (February 2017): Hi Kristina, Here is the signed confirmation form. Thank you so much for all your help, what is generally the process from here onwards? best,
Student Loan Bankruptcy (February 2017): Hi Kristina, I am officially bankrupt!!! Thank you for your excellent service! You don’t know how much relieve I am right now…Thank you again! Regards,
Student Loan Bankruptcy (February 2017): Hi Kristina, Thank you so much for everything. Your service was excellent and I am very grateful for your fast and easy to understand service. I have enclosed the document. Kind regards.
Student Loan Bankruptcy (February 2017): Thank you Kristina. That is wonderful news. I will get access to a printer and scanner tomorrow and return the signed forms to you. Best wishes
Student Loan Bankruptcy (January 2017): Hello Kristina... Thank you so much for getting me to this point! I never imagined this as a option until my wife found your details and stories of people you have helped online. I will also join the praises of your works to others and will forever be in your 'debt'! Many thanks and kind regards.
Student Loan Bankruptcy (January 2017): Hi Kristina, I've received official confirmation of my bankruptcy with obligations etc. Many thanks for your assistance and patience! Regards,
IRD negotiated settlement and write off (January 2017): Hi Kristina, This is somewhat belated as I haven't dared believe that my situation is really finally sorted out until now. I just want to thank you for helping me sort out my student loan debt, and I hope you're more than faintly aware that the work you do helps a great many people out of a very difficult and stressful situation . You and your team are a positive force in the world and you deserve to take pride and joy in that fact. I'm sure I'm not alone in wishing each of you a long and very happy life. Bravo!
IRD negotiated settlement and write off (January 2017): Hi Kristina, Many thanks for your efforts on my behalf. Have a great weekend. Kind regards
IRD negotiated settlement and write off (December 2016): Thanks Kristina, I would like to accept this offer and will organise to make payment prior to the due date. Thank you for all your assistance. Let me know if you require anything further from me. Thanks,
Bankruptcy and complex budget related issues (December 2016): Hi Kristina,I have filled out a budget sheet on the same spreadsheet template we used last time as the sheet provided does not include room for more detail on some of my expenses. Could you please advise what the best way would be to format this to include everything? For example, it's important for me to account for the extra cashflow I need for work expenses. I am happy to provide evidence of these work expenses- which are reimbursed, but if I'm using my credit card to cover them I am not reimbursed for the interest accrued on the credit card and it can be up to two months between expense lodgement and reimbursement so I really need to ensure I am using "real" money if that makes sense. I have attached everything for your reference. Thank you so much, you have been super amazing through all of this! Best regards,
Student Loan Bankruptcy (November 2016): Hi Kristina, Please find attached the final page of the doc, signed and dated. So that's it then? I may or may not hear anything from the insolvency people for the next 3 years? Thanks so much for your assistance.
IRD negotiated settlement and write off (November 2016): Thanks for all of your help. Great service.
Student Loan Bankruptcy (November 2016): Thank you, Kristina, I am so grateful! You have been a wonderful adviser, thank you so much!
Best regards,
Student Loan Bankruptcy (Novmeber 2016): Hi Kristina, Thank you for the seamless service that you provided me with my bankruptcy. I will be recommending your services. Everything went very smoothly but I just have one small thing to check with you. Last week I received an invoice from Inland Revenue regarding my overdue tax. The invoice is addresser to "official assignee in bankruptcy of [...]"I remember we included the tax in the bankruptcy filling. Not sure what to make of it. Is it just a copy sent to me? Regards
(Problem resolved as we usually provide ongoing care for our clients throughout their bankruptcy)
Student Loan Bankruptcy (October 2016): Hi Kristina, thanks so much for the information. You have been such a tremendous help. How do i go about posting a testimonial on your website? Kind Regards
Student Loan Bankruptcy (October 2016): Hi Kristina. Once again thank you for all your help!
IRD negotiated settlement and write off (October 2016): Hi Kristina, Just made payment of AU$......... to Western Union. Probably they won't get this until Monday, but it is at last done. (Insert smiley ). Thank you for your help, and patience.
Student Loan Bankruptcy (October 2016): Hi Kristina, Once again thank you for your effort and time. Contacting you was so worth the effort. Kind Regards
Student Loan Advice on Options (October 2016): Hi Kristina, I can't tell you how reassured I feel already having contacted you. The anxiety and stress related to this debt has been so pervasive. Taking this first step in itself has been incredibly scary for me. I would like to go ahead with next steps. I can pay through PayPal. Please let me know what I need to do to set up that transaction. My very best,
Student Loan Bankruptcy (October 2016): Hi Kristina, I have attached a signed receipt for my bankruptcy documents. Thank you for all your help with this. Regards
Australian resident advice client/IRD write off and settlement (June 2016): Thank you for your time and advice. I have walked away with a final figure of $..k which I will be paying as a lump sum as I had approval on my mortgage. It seems I can now come home again. Again thank you for your time
Australian resident advice client (June 2016): This morning I spoke to IRD and managed to get a remission of $........ from my student loan debt so today I payed $...... and cleared the full amount, I am now debt free in my student loan. Thank you for the advice and I will recommend you to my friends and family.
Australian resident advice client (June 2016): Thanks again for your efforts, I cannot thank you enough or explain just how much stress and anxiety this has placed on me, so thank you, you are doing incredible things for people who never intended to be in positions such as mine.
June 2016 (Bankruptcy client living in Asia): I would just like to express my gratitude say thank you very much. The application went through smoothly with no problems. I was really stuck and it was a very stressful thing to have hanging over my head for a long time with my small income and I had no way to be able to deal with it but you helped - well actually you saved my life truly. Your service was quick, concise and easy to follow and I would have no problem recommending you to anyone else who needed help. Thank you once again.
Australian resident - IRD write off and settlement (June 2016): Thanks for your help in facilitating the payout process. It is very nice to see that confirmation letter.
Bankruptcy client living in Asia (May 2016): I cannot tell you how greatly relieved I am.Thank you very much for all your help and guidance.
Bankruptcy client living in Australia (May 2016): Firstly thank you so much for your support with helping me to complete my application, I will most definitely recommend your services to others. Again thank you so much Kristina the stress relief is life changing.
May 2016: Thanks for your assistance in making this a painless process.
May 2016: Thank you for all your help with this, it's been invaluable in a very stressful time.
May 2016: Thank you to such a quick application process! You've certainly lifted the stress from my shoulders. My nails grew for the first time this past couple of week and I stopped biting them!!! Hahaha. Thank you very much!
May 2016: Thanks a lot for all your help
April 2016: Thank you for all of your help Kristina.
April 2016: Thank you so much for your support and your patience with me through this process. Words cannot really describe how damaging this debt has been to my mental health, your help and advice is monumental and has provided a time of light in the horrible darkness of what this crippling debt has been doing to me.
April 2016: Thanks Kristina, this is incredibly thorough and informative. Once again, thanks for your work, I really appreciate it, and its gone a long way to clear up the options available to me.
April 2016: I wanted to thank you for your considerable efforts in acting on my behalf with IRD. The outcome is fair and reasonable and more than I could have managed on my own. Many thanks.
April 2016: I would recommend Kristina and her team at Student Loans to anyone. Always efficient and accommodating, she provided me with different options to suit my needs whilst ensuring that I was well aware of the implications of my decisions. Going through the process of bankruptcy can be a daunting thought, but Kristina made it seamless and stress-free. Words can't express how thankful I am.
March 2016: Well then if that is all i would like to thank you very much for your excellent service, and i will recommend your services to people who need it again thank you
March 2016: Well thank you very much for all your help during this time. I have appreciated how patient you have been.
March 2016: First and foremost, I want to thank you again for your help with the questions I have had.
March 2016: Well done, Kristina - thank you so much for all your help and advice. I appreciate all the emails, the attention to detail, and the polite answers to silly questions you had to put up with from me.
February 2016: I'd like to sincerely thank you for your for your help. This has been a bit of a roller coaster for me and my partner, especially given I'd moved on from entirely from NZ.
February 2016: Thank you very much for your help in this matter. You have been an absolute God Send. I really cannot thank you enough.
February 2016: Just wanted to say thank you again for your help - you made a very stressful decision that much easier and life is a little happier for me!
February 2016: I'd like to thank you again for helping with my bankruptcy application. After seeing student loan debtors being arrested in the news, I feel a lot of relief with having made the decision to declare bankruptcy.
January 2016: Wow, thank you Kristina! I didn't expect them to budge at all, to be honest. I'm quite happy to pay that. Please let them know that I will make my first payment today.........it should make it into the assigned account by Tuesday. Thanks again & happy NY to you!!
December 2015: I'd like to take the belated opportunity to thank you for all of your efforts and work in sorting out my student loan with the IRD. By doing what you have done, and what I certainly could not do on my own, you have eased a great deal of pressure and stress in my life. Your persistence and dedication to helping others with a difficult, and sometimes extremely frustrating(!) organisation are fantastic. There aren't enough superlatives to express how thankful I feel when it comes to the miracles you have worked for me. I hope you have a great christmas, new year and have a lovely and well deserved holiday. Again, thank you so much. I hope you continue doing the very important service that you are doing. You are helping people in ways that some can't even fathom, but it's essential.
December 2015: Kristina with her wealth of knowledge, information & know how has been a valuable part of my financial life - I try not to imagine where I'd be without having had Kristina's input and expertise. 10 out of 10 for service, promptness and outcome. Many thanks again for all you do! Have a great Summer holiday.
November 2015: You guys are legends.
October 2015: I just wanted to say thank you so much for your guidance through this and how much your advice and help made all the difference in finally having this issue resolved, it has been a great load off my family shoulders and I am very grateful. If there is anything you need from me regarding any ongoing issues or requests please let me know, otherwise good luck with the RWC final this weekend and I am sure the All Blacks will smash it!!! Cheers again and thank you.
September 2015: I take this opportunity to thank you for the work and advice you gave me.
September 2015: The payment method worked and I made it into and out of the country without incident! Thank you so much for all your help in negotiating this arrangement.
August 2015:I would like to offer my sincere thanks for the work you have done to ensure my bankruptcy application was hassle free. It has taken a HUGE weight off my mind. thanks again
August 2015: I just wanted to get in touch at this stage and say THANK YOU THANK YOU THANK YOU to your organisation for helping people in our situation. Bless you all.
August 2015 (our work enabled a bankrupt client to obtain permission to retain a large tax refund): fantastic! thank you so much for all your work Kristina. Being able to keep the money is going to help out so much with my studies.
August 2015 (negotiated with the Insolvency Service/OA to have a contribution eliminated): That is literally the best news I've had in a long time.
I can't thank you enough for all the hard work you've put in to help me out!