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            <loc>https://www.insolvency.govt.nz/support/forms-and-tools/insolvency-publications</loc>
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        <url>
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                <image:image>
                    <image:loc>https://www.insolvency.govt.nz/assets/Images/Illustrations/Landing-page/shaking-hands-585wide-243height.png</image:loc>
                    <image:title>[image] shaking hands 585 x 243</image:title>
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        <url>
            <loc>https://www.insolvency.govt.nz/personal-debt/how-insolvency-affects-you</loc>
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                    <image:title>[image] handshake 185 x 156</image:title>
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        <url>
            <loc>https://www.insolvency.govt.nz/business-debt/the-effect-of-bankruptcy-on-a-business</loc>
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                    <image:title>[image] table 185 x 156</image:title>
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        <url>
            <loc>https://www.insolvency.govt.nz/support/find-a-dro-supervisor</loc>
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        <url>
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        <url>
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                <image:image>
                    <image:loc>https://www.insolvency.govt.nz/assets/Images/Illustrations/Side-Nav/calculator-488wide-184height.png</image:loc>
                    <image:title>[image] calculator 488 x 184</image:title>
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        <url>
            <loc>https://www.insolvency.govt.nz/support/for-dro-supervisors</loc>
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                <image:image>
                    <image:loc>https://www.insolvency.govt.nz/assets/Images/Illustrations/Landing-page/desk-585wide-243height-v2.png</image:loc>
                    <image:title>[image] desk 585 x 243 v2</image:title>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/the-integrity-and-enforcement-team</loc>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/its-statistical-data-report-201516</loc>
            <lastmod>2019-11-21T13:45:19+13:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/personal-debt/life-after-insolvency</loc>
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                <image:image>
                    <image:loc>https://www.insolvency.govt.nz/assets/Images/Illustrations/Side-Nav/chair-185wide-176height.png</image:loc>
                    <image:title>[image] chair 185 x 176</image:title>
                </image:image>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about</loc>
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            <priority>1</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/awards</loc>
            <lastmod>2026-03-03T16:17:41+13:00</lastmod>
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        <url>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/do-it-online</loc>
            <lastmod>2022-05-06T13:58:50+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>1</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/copyright-privacy-policy-and-disclaimer</loc>
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        <url>
            <loc>https://www.insolvency.govt.nz/support/glossary</loc>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/overseas-asset-recovery-by-the-official-assignee</loc>
            <lastmod>2017-08-28T09:38:52+12:00</lastmod>
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        <url>
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        <url>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/welcome-to-the-new-insolvency-and-trustee-service-website</loc>
            <lastmod>2017-08-21T15:13:35+12:00</lastmod>
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        <url>
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        <url>
            <loc>https://www.insolvency.govt.nz/support/how-do-i/how-do-i-add-new-users-or-related-creditors-to-my-organisation</loc>
            <lastmod>2026-03-03T16:17:46+13:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/support/how-do-i/apply-for-travel</loc>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/support/how-do-i/update-my-personal-information</loc>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/we-asked-you-to-tell-us-what-you-thought</loc>
            <lastmod>2017-06-27T12:27:52+12:00</lastmod>
            <changefreq>yearly</changefreq>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/court-confirms-bankrupts-obligation-to-repay-creditors</loc>
            <lastmod>2017-08-21T15:13:12+12:00</lastmod>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/its-statistical-data-report-2016-17</loc>
            <lastmod>2019-03-18T11:28:48+13:00</lastmod>
            <changefreq>monthly</changefreq>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/australian-court-confirms-obligation-to-make-contributions-to-new-zealand-bankruptcy</loc>
            <lastmod>2017-10-27T11:46:21+13:00</lastmod>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/lengthy-prison-sentences-after-man-twice-caught-breaching-prohibitions</loc>
            <lastmod>2017-12-19T15:01:37+13:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/what-is-a-nzbn</loc>
            <lastmod>2018-01-23T10:28:20+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/auckland-butcher-pleads-guilty-to-breaching-bankruptcy-restrictions</loc>
            <lastmod>2017-12-19T16:23:35+13:00</lastmod>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/auckland-accountant-pleads-guilty-to-bankruptcy-offences</loc>
            <lastmod>2019-06-24T14:49:28+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/first-time-nap-second-time-bankrupt-how-often-does-this-really-happen</loc>
            <lastmod>2018-03-05T13:49:46+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/owed-money-by-someone-in-australia</loc>
            <lastmod>2018-04-10T09:29:44+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/bankrupt-auckland-builder-squanders-1-5-million-at-casino</loc>
            <lastmod>2018-04-10T10:42:33+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/access-blocked-for-older-browsers-from-28-april</loc>
            <lastmod>2018-04-30T13:48:04+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/bankrupt-real-estate-agent-caught-continuing-dishonest-dealings</loc>
            <lastmod>2018-05-29T11:14:20+12:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/tax-refunds</loc>
            <lastmod>2018-11-23T12:10:31+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/bankrupt-auckland-builder-sentenced-to-prison-for-serious-breaches-of-insolvency-act</loc>
            <lastmod>2018-06-19T12:00:05+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/its-statistical-data-report-2017-18</loc>
            <lastmod>2019-03-18T11:28:48+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/mbie-investigating-gordon-paul-bayne</loc>
            <lastmod>2018-11-05T15:19:38+13:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/our-hours-over-the-christmas-holiday-period-2</loc>
            <lastmod>2018-12-07T14:11:06+13:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/debtor-prosecuted-for-misleading-official-assignee-about-name-change</loc>
            <lastmod>2019-01-17T11:57:26+13:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/bankruptcy-numbers-at-lowest-level-since-2000</loc>
            <lastmod>2019-10-21T13:12:59+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/auckland-accountant-sentenced-to-three-years-imprisonment-for-bankruptcy-offences</loc>
            <lastmod>2019-04-29T11:44:32+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/investigation-by-its-leads-to-tough-sentence-for-bankrupt</loc>
            <lastmod>2019-07-10T11:11:01+12:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/the-insolvency-and-trustee-service-annual-statistics-and-debtor-profile-report-for-2018-19-is-now-available</loc>
            <lastmod>2019-08-21T15:43:04+12:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/official-assignee-appointed-liquidator-of-companies-associated-with-barry-kloogh</loc>
            <lastmod>2019-10-01T13:43:36+13:00</lastmod>
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            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/government-improving-protections-for-consumers-and-workers-when-businesses-fail</loc>
            <lastmod>2019-11-05T08:41:27+13:00</lastmod>
            <changefreq>yearly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/amendments-to-the-insolvency-act-2006-and-how-they-will-affect-you</loc>
            <lastmod>2019-12-12T14:37:16+13:00</lastmod>
            <changefreq>monthly</changefreq>
            <priority>0.8</priority>
            
        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/covid-19-insolvency-and-trustee-service-availability-through-levels-3-and-4</loc>
            <lastmod>2020-03-26T11:02:39+13:00</lastmod>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/how-will-our-services-be-impacted-by-the-covid-19-pandemic</loc>
            <lastmod>2020-03-31T15:44:03+13:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/help-with-the-financial-impact-of-covid-19</loc>
            <lastmod>2020-04-21T15:25:27+12:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/fraudulent-roofing-contractor-sam-oliver-spence-imprisoned-for-breaches-of-company-and-insolvency-laws</loc>
            <lastmod>2020-05-06T14:05:22+12:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/insolvency-relief-and-support</loc>
            <lastmod>2020-05-19T16:21:07+12:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/changes-to-our-online-system-are-coming-soon</loc>
            <lastmod>2020-08-24T09:22:08+12:00</lastmod>
            <changefreq>monthly</changefreq>
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        </url>
	
        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/transition-of-login-method</loc>
            <lastmod>2020-08-28T12:17:01+12:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/online-services-unavailable</loc>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/updated-online-case-management-system-launches-14-sept-20</loc>
            <lastmod>2020-09-15T11:22:54+12:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/realme-service-outage</loc>
            <lastmod>2021-03-30T08:11:38+13:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/system-update</loc>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/the-insolvency-and-trustee-service-is-operating-as-usual-during-the-present-covid-19-alert-level-changes</loc>
            <lastmod>2021-10-11T10:56:25+13:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/online-services-unavailable-between-8am-and-12pm-saturday-19-february-2022</loc>
            <lastmod>2022-02-16T11:01:48+13:00</lastmod>
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        <url>
            <loc>https://www.insolvency.govt.nz/about/news-and-other-notices/our-2022-satisfaction-surveys-are-now-open</loc>
            <lastmod>2022-05-17T10:19:44+12:00</lastmod>
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