Insolvency registers
Insolvency and bankruptcy register search in New Zealand
An insolvency event changes what you are permitted to do, not just what is worth doing. It is the first thing to establish and the cheapest to check.
What the registers cover
The personal insolvency registers maintained by the Insolvency and Trustee Service record bankruptcies, no-asset procedures and debt repayment orders, including the dates on which they were entered and discharged. Company insolvency events, including liquidation and receivership appointments, sit with the Companies Office register.
Both are public records, and both are queried at the time of the search so the result is the register's current position rather than a stored copy.
Why it belongs at the start of an enquiry
A current bankruptcy or no-asset procedure alters the legal position between you and the debtor. Continuing recovery activity against a person in that position is not simply unproductive, it can be improper, and finding out late is expensive in more ways than one.
Where an insolvency has been discharged, the record still matters. It sets the context for the rest of the file, and it explains a thin credit position or an absence of registered assets that would otherwise look like an evasion.
What an insolvency search returns
- Bankruptcy entries, with adjudication and discharge dates where held.
- No-asset procedures and debt repayment orders.
- Company liquidation and receivership appointments.
- The status of each event at the time the search runs.
How it fits the rest of the enquiry
Run insolvency early and read it with the asset picture. A clear register alongside a title record and no prior security interest is a viable file. An open insolvency event alongside either of those is not, and the value of the consolidated result is that both facts arrive at the same moment rather than three weeks apart.
This source is queried as part of a consolidated skip tracing enquiry, on the same authorised-purpose declaration and the same audit record as every other source. There is no separate account, no separate invoice and no minimum spend against it. What you pay is the monthly subscription plus the searches you run, set out on the pricing page.
Questions about insolvency registers
Is the bankruptcy register public in New Zealand?
Yes. Personal insolvency information is held on public registers maintained by the Insolvency and Trustee Service, and company insolvency events appear on the Companies Office register.
Does a discharged bankruptcy still show?
Where the register holds the history, the entry and its discharge date are returned. Reading the dates is what tells you whether the event is current.
Why check insolvency before spending on recovery?
Because it determines both whether recovery is viable and whether continued activity is appropriate. It is the fastest way to close a file that cannot be recovered.
Is the insolvency search included in a normal enquiry?
It is one of the sources a consolidated search covers, returned in the same format and written to the same audit record as the rest.
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