5 Tips about 債務舒緩債務重組分別 You Can Use Today - 【iva.ctr.hk】

5 Tips about 債務舒緩債務重組分別 You Can Use Today - 【iva.ctr.hk】

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When you've got debts that may’t be included in the IVA, you'll need to deal with those independently so you might want to ensure you have sufficient dollars to pay for these debts just before paying out income into an IVA.

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。

日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。

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ClearScore is a financial technologies organization that will give its consumers free of charge usage of their credit history rating and would make its income by matching people with loans and charge cards.

不需要。我們只會收取債務重組費用，其餘如初步諮詢、初次會面都是免費的。我們明白債務人在財務上的壓力，因此我們盡可能為客戶提供實質而有用的幫助，協助客戶減省不必要的金錢浪費，讓他們將資源集中在解決債務困難上。

破產是一種法律程序，當債務人無法償還債務時，便可經法院宣布破產。破產程序可以由債務人自行提交或由債權人提出申請。香港原訟法庭在接到破產申請後，會判決是否頒布破產令。

Since an IVA is made for 1 particular person, it may not be The ultimate way to repay joint debt. It is because, Even though you are in an IVA for 債務重組收費 your personal debt, your spouse will nevertheless be answerable iva for repaying the personal debt.

An IVA will surface on your credit history file and could make it more durable to get credit history. It won't be taken off until eventually six yrs once the day it absolutely was authorised.

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An IVA isn’t certain to be recognized by your creditors. If they reject the proposal, you may have to find One more debt Remedy.

Failing to help keep up using your IVA payments may perhaps bring about your 債務重組收費 IVA falling into arrears, which may lead to it being terminated.

Pension chance: If you receive profits from a personal pension, you might have to pay for several of it in the direction of the IVA.

選擇「破產案查冊」，「個人自願安排個案查冊」，「破產案及個人自願安排個案查冊」或「強制性清盤案查冊」。