欠債人須向法庭申請債務重組，與債主重新制訂一個雙方都可接納的還款方案

公告登報：破產令頒布後，破產管理署署長將在憲報及中、英文各一份報章上，刊登有關破產令廣告；

For an IVA to generally be authorised, creditors representing at least 75% in price of the creditors who vote need to comply with it. The moment they have got, it’s legally binding and they can’t go after you, or consider any further more court docket action, so long as you continue to keep to your conditions of the agreement.

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。

The consequences of not spending non-precedence debts are much less really serious than for precedence debts. Regardless of staying less significant, your creditors could continue to take you to court or prepare for bailiffs to go to you.

長者旅遊保險比�?新樓及二手樓收樓注意事項+驗樓清單 家居裝修保險需�?新手租樓注意事項

If you discover out that you are due some cash on account of a thing that occurred ahead of the IVA, your creditors might have the appropriate to claim it way too - even when your IVA has concluded.

Lenders are reluctant to approve programs from large-chance borrowers, which may bring on an application being turned down or charged bigger desire. An IVA stays on the credit file for 6 a long time through the date that your IVA was agreed.

If the valuation reveals your share within your assets’s fairness is 債務舒緩成功率 in excess of £5,000, you’ll generally have to borrow from your own home to boost a lump sum to put into your IVA. You shouldn’t need to sell your home To accomplish this.

Most IVAs Use a windfall clause. A windfall is revenue or possessions you obtain unexpectedly - such as:

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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。

An IVA could permit you to create off a great deal of your unsecured credit card debt. The exact determine is determined by simply how much spare cash you've got at the end of each month.

本會一直以來致力協助香港不同人士處理債務問題，減輕債務人和家庭成的債務和心理壓力。債務的出現可以有多種因素，包括家庭經濟壓力、不當的理財方式、不良的嗜好或習慣等。不論你是因為什麼原因而導致債務問題的出現，本會都希望能夠根據你的獨特需要，協助你真正解決問題，讓你可以儘早重過新生活。