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Hi, I have student loan debts in NZ (maybe 40k NZ dollars), with inland revenue, and owing the bank 1k overdraft and nearly 1k on my credit card (it was a student credit, its nearly maxed out at 1k).
I am living in Europe now because I live here with my husband. What should I do? If I file for bankrupcy, will any debt collectors harrass me? They have my address, the bank and the ird.
Should I file yet or wait till they ask me for the money or wait until it goes into collection? Thanks! KittyKat