Guides
Guides for owners behind with IRD
Researched from IRD, Companies Office and other official sources, dated, and honest about every route, including the ones where a lender earns nothing.
IRD debtDeadlinesBefore you liquidateChoosing a routeCredit and enforcementDirectors
IRD Debt in 2026: A Practical Guide for NZ Business Owners
How IRD debt builds, how IRD escalates in 2026, every option for clearing it, what changed in 2025–26, and a calm first-week plan for NZ business owners.
4 October 2026
IRD Statutory Demand or Liquidation Application: 15 Days
A day-by-day plan after an IRD statutory demand or liquidation application: documents, paying vs negotiating vs set-aside, the 10-day window and who to call.
4 October 2026
Before You Liquidate: 10 Checks for Directors With IRD Debt
A checklist for NZ directors considering liquidation over IRD debt: guarantees, current accounts, PAYE, duties, phoenix rules, fees and the alternatives.
4 October 2026
IRD Payment Plan, Tax Pooling or a Loan: How to Choose
A rate-free way to choose between an IRD instalment arrangement, tax pooling and a business loan: dollars, time, risk, enforcement and combining them.
4 October 2026
IRD Credit Reporting and Bank Deductions: What Changed
How IRD's 2026 credit reporting of company tax debt and its surge in bank deduction notices work, the thresholds, the Notice of Intent, and how to stay clear.
4 October 2026
Am I Personally Liable for My Company's Tax Debt? NZ Guide
When NZ directors become personally liable for company tax: PAYE, reckless trading, asset stripping, guarantees, current accounts and what liquidation clears.
4 October 2026Clear the IRD debt. Keep the business.
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