保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。

電子錢包攻略家庭開支 家用／水電煤／寬頻入油【信用卡交租】信用卡交租賺現金回贈比較與教學

Your debts will likely be put together into a single affordable month-to-month payment with a transparent timeline so you are aware of when you will be debt-totally free.

For those who have price savings, you usually have to include these as part of your IVA, either by paying out your creditors a lump sum or utilizing the dollars to make regular monthly repayments.

The knowledge on this Site is for reference only and may be up-to-date every now and then. For aspects, remember to contact

You’ll make your payments to your insolvency practitioner. They’ll maintain many of this to pay their fees and split The remainder in between your creditors.

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；

Lenders are hesitant to approve programs from higher-hazard borrowers, which can bring on an software staying turned down or charged greater desire. An IVA stays on your credit history file for 6 several years in the date that the IVA was agreed.

An IVA ordinarily lasts for 5 decades, but it may be extended to 6 many years Should you be a homeowner. It is because you might require to remortgage In case you have fairness in your home or make more payments if you cannot remortgage.

巿面上有不同種類公司提供債務重組服務，包括律師行、會計公司及專門處理債務重組等服務的公司，以下為數間提供債務重組服務的公司：

An IVA isn’t guaranteed to be approved 債務重組 by your creditors. Should they reject the proposal, you may need to seek out A further financial debt Option.

For the duration of your IVA, any curiosity or additional prices with your debts will probably be frozen, so you can deal with generating the agreed 債務舒緩債務重組分別 month-to-month payment.

Obtain an insolvency practitioner: Check if they’re registered with the Insolvency Practitioners Association, and should 債務舒緩收費 they’re Element of a personal debt assistance organisation, see Should they be controlled with the FCA. You might also make use of the Insolvency Practitioner directory to find someone acceptable.

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：