債務重組邊間�?Fundamentals Explained - 【iva1.top】

債務重組邊間�?Fundamentals Explained - 【iva1.top】

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破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。

申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

兩者均毋須申請破產。而最大分別在於，申請債務舒緩的欠債人，毋須經任何法律程序。他可直接與債主商量及制訂雙方接納的新還款方案，變相批核時間較短、收費亦較便宜。

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。

All through your IVA, furnishing you make the agreed payments, creditors won't charge curiosity or fees on your debts. They’ll also stop chasing you to pay.

職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份銀行、金融業的從事人士需通報公司破產紀錄，或有機會影響職途。債務重組對職業的影響相對上較少，一般無需通報公司。

當欠債人在申請債務重組後，環聯資訊有限公司會紀錄相關款項，並會降低借貸人的信貸評級，這也是為什麼一般銀行和財務機構通常不會接納貸款申請。

For anyone who is battling to pay your debts, then we advocate you get in touch either on the net or by cell phone on 0800 316 1833 so amongst our welcoming advisers can have a look at your circumstances and work out the very best financial debt Resolution in your case.

How and after you pay the insolvency practitioner varies. Some practitioners will inquire you to pay a payment ahead of putting together an IVA.

如果輸入的資料正確，請按「確認」；如果您擬作任何更改，請按「修改」。

影響信貸評級：債務重組期間，透過自願還款可以改善信貸評級。有助於在債務重組完成後更容易獲得貸款或信用卡。

The insolvency practitioner will evaluate your circumstance yearly As you’re on an IVA. Should your earnings improvements, your IVA payments may adjust. For example, if you receive a pay out rise at function you’ll be anticipated to pay more into your IVA.

They will then set up a creditors�?Conference. At this Assembly, creditors will vote on regardless of whether to accept the proposal. For it to become accepted, creditors holding around seventy five% in 債務重組 the debts you owe must agree to it.

There are some reports this program is most likely destructive or could install other unwanted bundled program. These may very well 債務重組收費 be Wrong positives and our people are suggested to be careful though 債務舒緩 setting up this application.