債務舒緩 for Dummies - 【ivahk.top】

債務舒緩 for Dummies - 【ivahk.top】

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The repayment system needs to be depending on an amount you are able to pay for plus your creditors will require to concur it. If you make regular payments the IVA will usually last for 5 or six yrs.

Most of your possessions won't be influenced by acquiring an IVA - by way of example, objects you employ in your home.

Be sure to shell out your payments in total and by the due date. Paying charges punctually like car or truck finance might help enhance your credit score.

Payments are managed by an insolvency practitioner. An IVA stops the people today you 債務重組收費 owe from having additional motion versus you. A number of your financial debt 債務重組破產分別 is published off at the end.

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。

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。

Throughout the IVA, your creditors should end charging curiosity or chasing you for your debts. Any money that you choose to owe following the agreed period are going to be composed off.

自僱的身分並不會限制申請人申請任何欠款重新整合方案。只要可以提供所需的文件，如合理的入息證明及其他必申報文件，也能夠辦理申請。

不需要。我們只有在獲得客戶同意後，才會進行債務重組收費。我們提供免費的初步諮詢和會面，我們會用最短的時間讓客戶了解清楚整個服務的流程、影響、收費，同時給予專業建議。我們知道這是重大的決定，踏出這一步將有可能扭轉客戶的一生，因此我們尊重客戶的慎重考慮，在客戶同意之前並不會採取任何收費手續。

When you owe funds to your lender or an organization linked to them, your financial institution can take revenue out of the account to pay for the debt. It’s a smart idea to Obtain your earnings compensated into an account at a different bank in advance of iva your IVA starts off. Your insolvency practitioner must make it easier to with this.

It is possible to only include a secured mortgage or home finance loan within an IVA your lender agrees - they don’t ordinarily agree.

委托代理人後，代理人將向法庭提交報告，交代欠款人財務狀況，包括其擁有的資產、現有負債等，然後就會債主召開會議，商討及重訂還款方案，欠款人應在這階段盡力展示還款誠意，以具證明自己有穩定還款能力，以爭取降低利息支出及延長還款期。

由於債務重組是法律程序，故申請成功後對所有債權人及欠款人都具法律約束力，但債務重組記錄會出現在破產署名冊內，公眾可隨時查閱得到。

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：