債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下：

二線財務公司的貸款方案的利息往往會較高，還款期亦較短；借貸前，必需好好比較不同財務公司

An IVA is about up and managed by an insolvency practitioner. They figure out your repayment program, which will include things like particulars regarding how much you’ll shell out each month and just how long the system will final.

Obtaining an IVA will negatively have an effect on your credit score. That’s because an IVA reveals that you just’ve had problem keeping up with repayments up to now.

If You begin to take money from your pension pot while you contain the IVA, this will likely count as income and You could have to pay for it into your IVA. Your insolvency practitioner will suggest you on this.

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

其實，債務問題的影響可以很廣泛，包括會影響債務人與家人之間的關係，例如婚姻不和諧、父母與子女關係越來越疏離、問朋友借錢導致關係破裂、因債務而影響工作或聲譽等。這些不愉快事情都會令到債務人的心理受到很大的壓力，影響日常生活和社交。

一般而言，欠債人須向委託之會計師及律師支付其專業服務的費用，該費用因人而異，多以負債金額、債權人數目、物業數目等不同因素而定。

It is possible to count on it to acquire about 6 months to create an IVA. This depends on how intricate your circumstance is, how quickly you supply the necessary evidence on your insolvency practitioner, and whether or not any creditors would like to alter the conditions from the proposed prepare. This is often according to the Credit card debt Guidance Foundation.

Should you drp是什麼 owe revenue for your bank or a firm linked to them, your bank normally takes funds out of the account to pay the financial debt. It’s a smart idea to Obtain your cash flow paid into an account at a unique bank ahead of your 債務舒緩收費 IVA starts. Your insolvency practitioner need to assist you with this particular.

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

In the course of your IVA, any curiosity drp是什麼 or additional rates on your own debts might be frozen, to help you center on producing the agreed month to month payment.

In the event you enter into an IVA, it received’t appear on your own spouse’s credit history report and won’t have an impact on their credit score Except you and your spouse are economically connected. You’ll only be monetarily linked if you’ve taken out joint credit history, such as a property finance loan or joint auto finance agreement.

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