最佳信用卡 熱門信用�?現金回贈信用�?飛行里數信用�?海外簽賬／旅行信用卡 迎新優惠信用�?網購信用�?免年費信用卡 銀聯信用卡 學生信用�?餐飲信用�?電子錢包信用�?公司信用�?八達通自動增值信用卡

The creditors�?Assembly: It is a remote or in-human being Assembly, which you can go to if you wish, where the creditors will commit to take or reject the IVA proposal. If creditors representing in excess of 75% of your respective whole debt vote in favour, your IVA can go forward.

除了銀行會有債務舒緩部之外，有很多財務公司也有推出各自的債務重組貸款產品。若然欠債人信貸報告內的信貸評級不足以申請傳統銀行戓「一線財務公司」的債務重組方案，便會將目光轉移在「二線」財務公司。然而，二線財務公司的債務重組方案的利息往往會較高，還款期亦較短；更不時會傳出僱用不當收數公司追數的消息。因此在借貸前，必需好好比較不同財務公司的貸款條款、實際年利率、還款年期等，以衡量自己的還款能力是否適合該產品，以免日後發生問題。因為無論是「一線」還是「二線」財務公司；一旦債務人無法遵守新的還款協議，便有可能面臨法律起訴，或被債權人提出破產申請等嚴重的後果。

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

個人自願安排實行後，債務人需要按時間向代名人還款，再由代名人安排還款予債權人。

An IVA will often be quickly additional, marked as ‘full�? and removed from your credit rating file as necessary. After 6 yrs, it is going to no longer be obvious with your credit file, however , you can Examine your credit report occasionally to make sure all the main points are accurate.

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An IVA will surface on your own credit file and can make it more challenging for getting credit. It will not be removed until finally drp 6 a long time once the day it was approved.

You need to Have a very 'provable' earnings to be able to submit an application for an IVA. For that reason, you are able to be self-employed or an personnel, become a limited corporation director or within a partnership, or you could even be unemployed or retired and dwelling off your pension.

面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

If you can get additional revenue or belongings all through an IVA Owning an IVA might influence any foreseeable future cash flow or property that you simply get. Such as, if you move dwelling for the 債務重組收費 duration of an IVA, any money you make as make the most of the sale of the assets might have to get paid to the IVA.

An IVA need to be setup by a professional 債務舒緩收費 insolvency practitioner. An insolvency practitioner is knowledgeable who is licensed to aid men and women in economical trouble.

An IVA includes a ‘windfall clause�? If you receive a windfall (a sum of money), you will need to report it and may need to produce added payments on the IVA.