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。

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。

If you get a lump sum as Portion of a private pension, you may perhaps have to agree to fork out this into your IVA.

Should you enter into an IVA, it won’t seem with your associate’s credit score report and won’t impact their credit score Except both you and your associate are monetarily linked. You’ll only be financially related in case you’ve taken out joint credit score, such as a home loan or joint car or truck finance settlement.

I've responded to your company’s intention to implement my personal details for direct internet marketing, such as consenting to your company notifying me of bank loan company details via cellphone, sms, e-mail, whatsapp and also other prompt messaging services.

如欠債額較低，欠債人較適宜債務舒緩和其他大額清數貸款，不需要經過法律程序和留下紀錄，較適合一些從事敏感行業的人士，如金融業、公務員

Lots of creditors have signed approximately one thing known as the IVA protocol. This means they’re expected to simply accept a proposal that's been prepared according to the protocol devoid of asking for needless adjustments.

Your skilled insolvency pro will then place alongside one another a proposal to consider to the creditors. Giving your creditors take your proposal, you’ll commence building month-to-month payments in direction of your personal debt. drp The corporate running your IVA will divide those payments involving your creditors.

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

Provide the required details: You’ll share your current situation with your insolvency practitioner. This involves evidence of your cash flow and expenditures, like payslips, Advantages letters, or lender 債務舒緩 statements. This aids them realize your situation and draft an IVA proposal.

向破產管理署署長提交「債務人破產呈請書」及「資產負債狀況說明書」，表格可在破產管理署網站免費下載；

Failing to help 債務舒緩 keep up with your IVA payments might lead to your IVA slipping into arrears, which could lead on to it getting terminated.

選擇所需服務：「破產案，個人自願安排個案及強制性清盤案紀錄個別查冊」。

只要申請人的信貸評級不算太差，一般都會獲批。如申請人的信貸評級未如理想，所批出的利息一般會較高