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I'm getting confused with my tenses here. The full sentence is: 'Uiteindelijk heb ik rechtskundige bijstand gevraagd en mijn advocaat zei mij dat X de zaken voor elkaar had moeten hebben'. At the moment I've written 'X had had to settle matters', but I'm not sure if that's right.
Explanation: You should take into account that "de zaken voor elkaar hebben" usually does NOT refer to business in the literal sense of the word - it's an expression meaning that this person has everything (business or not) organised / arranged. The context will show you whether that's the case here.
I know you did not ask the following: "de zaken voor elkaar had moeten hebben" is a standard colloquial expression, which technically could mean anything, such as: "should have made provisions for his business matters." "should have straigthened out his affairs"
But as far as the tenses go, no wonder you got confused as a native speaker, as in English it is unusual to use 3 verbs in a row, although it does happen:
"should have made" as in 10 Improvements You Should Have Made: http://www.thestandard.com/article/0,1902,8213,00.html