人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。

The creditors�?Assembly: This is a distant or in-individual Conference, which you can attend if you want, in which the creditors will decide to settle for or reject the IVA proposal. If creditors representing much more than seventy five% of the full personal debt vote in favour, your IVA can go forward.

Credit score injury: Your credit rating rating will probably be damaged considerably by an IVA, which can ensure it is really difficult to take out a home loan, mortgage or credit card. IVAs stay with your credit score file for six years.

Should you enter into an IVA, it received’t show up on your own husband or wife’s credit history report and received’t affect their credit history rating Unless of course you and your husband or wife are monetarily connected. You’ll only be financially related for those who’ve taken out joint credit history, like a house loan or joint vehicle finance agreement.

A financial debt administration firm is likely to get costlier simply because they demand a fee along with the insolvency practitioner's charges.

服務費當中包括為客戶擬定新的還款書、與不同或最大債權人協商、一切的文書準備及跟進工作。

i also validate that your business has jogged my memory you could notify your business at any time iva是什麼 to ask for that you halt offering me with relevant direct advertising elements.

紀錄在案：債務重組紀錄與破產個案一樣會登記在破產管理署的名冊上，公眾可隨時查閱，但相對於破產，債務重組影響通常較小。

債務重組常見問題

In case the payments you make aren’t plenty of to pay for your debts in entire by the tip within your IVA, you gained’t really need to fork out The remainder.

Although it isn’t difficult to pass a credit rating Look at whilst within an IVA, it will eventually continue to be in your credit score file for 債務重組破產分別 6 several years within the day it had been accepted, which could affect your capability to get credit history.

Debt administration organizations are organisations that offer that will help you contend with your debts. You could possibly see their adverts on-line or iva they could attempt to Get hold of you straight.

If you're worried about your deal with getting revealed Details of one's IVA might be saved in a very community register termed the person Insolvency Register. You could talk to for the handle to not be published for anyone who is anxious a person may well see it and hurt you or your family.

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