Any variety of debts is usually integrated but Commonly an IVA will be suited When you have more than one creditor.

The creditors�?meeting: This is the distant or in-particular person meeting, which you'll go to if you want, the place the creditors will decide to acknowledge or reject the IVA proposal. If creditors symbolizing in excess of 75% of your respective total credit card debt vote in favour, your IVA can go in advance.

其他貸款 學生貸款 進修貸款 太陽能貸�?大額投資貸款 結婚貸款 日息循環貸款

債務重組失敗會令債務人因無法按時償還貸款使其信貸評級進一步惡化，甚至面臨被逼破產。除了債務重組外，欠債人可考慮申請債務舒緩或結餘轉戶計劃以解決債務問題。

If it’s likely you are going to receive an inheritance or massive reward or gift throughout the up coming five years, it is best to think carefully about irrespective of whether an IVA is appropriate for you.

Precedence debts are certainly not included in an IVA. They count to your every month household costs as an alternative. Priority debts consist of:

An Individual Voluntary Arrangement (IVA) is a lawful arrangement among you and your creditors to assist you to repay your debts at an affordable level.

Access free resources and Understanding modules within the Eagle Labs Academy platform �?all tailored to every phase of your organization journey and fully cost-free.

You might have a lump sum of cash, one example is dollars still left to you personally in the will. This is likely to become A part of the IVA. What this means 債務重組破產分別 is you’ll ought to use this revenue to help make your monthly payments for your creditors.

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。

An IVA isn’t certain to be recognized by your creditors. When they reject the proposal, you might have to discover A different debt Resolution.

欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期

An IVA needs to be setup by a qualified insolvency 債務舒緩收費 practitioner. An insolvency practitioner is a specialist that's accredited to aid men and women in 債務重組邊間好 economical problems.

自僱人士當然可以辦理債務重組申請，只要能夠提供合理的入息證明，也符合辦理債務重組的基本要求。