The Definitive Guide to iva - 【debts.ctr.hk】

The Definitive Guide to iva - 【debts.ctr.hk】

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債務重組和破產是處理財務困境的兩種不同方法。債務重組是債務人與債權人協商修改還款條件，例如延長還款期限、減少債務總額等，以便債務人有能力按新條件償還債務。破產則是經法院程序，由破產管理署署長或受託人管理債務人財產，以償還債權人債務。

香港有不同的債務重組公司，每間公司所提供的服務內容以至收費均有不同。欠債人亦先了解不同公司的計劃，以作出最後決定。

An IVA, or Particular person Voluntary Arrangement to provide it its complete title, is a proper financial debt Answer for those with a significant unsecured financial debt problem, who want or need to stay away from remaining declared bankrupt by their creditors.

For those who have an outlined contribution pension For those who haven’t started taking funds out of your pension pot, your creditors in all probability received’t anticipate you to definitely entry it to pay funds in to the IVA, Even when you’re permitted to.

Your creditors will still be capable to continue to keep asking you for dollars, for instance by calling you and sending you letters.

An Individual Voluntary Arrangement (IVA) is often a authorized agreement in between both you and your creditors that may help you repay your debts at 債務重組收費 An economical fee.

Since an IVA is designed for one human being, it may not be The obvious way to repay joint financial debt. This is because, Even when you are in an IVA for your credit card debt, your associate will nonetheless be chargeable for repaying the credit card debt.

Also, you'll find jobs that a 債務重組邊間好 bankrupt person wouldn't be legally permitted to keep, including Operating for The 債務重組 federal government, in the monetary services purpose, or getting a company director. Staying in an IVA won't have an effect on your job Until you work in economical or legal products and services.

It’s finest to pay property finance loan or lease arrears separately on your IVA - this will likely quit you getting rid of your property.

Although it isn’t difficult to go a credit history check even though within an IVA, it is going to remain on your own credit rating file for 6 several years from your day it had been accepted, which may impact your ability to get credit score.

欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期

任何方案皆有正反兩面，包括債務重組。申請者應先了解方案的好處、壞處及後果，繼而根據自身情況作出適合的決定。

Inflexible: Should your situation change and you cannot make an IVA payment, you will have to declare individual bankruptcy.