Your capable insolvency professional will likely compose a report with the courtroom, together with their views on whether the proposal is likely to achieve success.

二線財務公司的貸款方案的利息往往會較高，還款期亦較短；借貸前，必需好好比較不同財務公司

Simply because an IVA is made for a person person, it might not be the best way to repay joint credit card debt. It's because, Even though you are in an IVA for your credit card debt, your associate will even now be to blame for repaying the financial debt.

委託會計師及律師作為代理人。代理人會因應個別欠債人的情況，決定是否接納其案件。委託一經接納，欠債人需就開展債務重組進行宣誓，並由代表律師將臨時命令申請書呈送法庭存檔。

To get an IVA, you will need some spare revenue each and every month to pay for your creditors. The quantity required differs according to your IVA, the quantity of creditors you've got, and the amount financial debt you've. Your insolvency practitioner should be able to go over this with you.

我們提供不同的計劃方案協助債務人解決債務問題，不同的計劃方案需要符合不同的債務重組條件。如果您不肯定自己的債務問題能夠對應哪個計劃，請參考我們的網頁，或與我們的專員聯絡，我們將為您提供初步免費諮詢，找到解決債務的方向。

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。

債務重組是《破產條例》下的法律程序，又稱為「個人自願安排」，是破產以外的另一選擇。當欠債人無法按雙方擬定協議還款時，欠債人可向法院申請臨時命令，期間任何人不得向債務人提出破產呈請，但需進行債務重組，與各債權人協商新的還款安排。一旦雙方達成共識，新協議將對所有債權人具約束力。

You may have a lump sum of money, for example dollars still left to you in a will. This is probably going being included in the IVA. This means you’ll should use this income to create your monthly payments towards your creditors.

巿面上有不同種類公司提供債務重組服務，包括律師行、會計公司及專門處理債務重組等服務的公司，以下為數間提供債務重組服務的公司：

The creditors�?Conference: This is a distant or in-human being Assembly, which you'll attend if you 債務舒緩債務重組分別 wish, where by the creditors will choose to accept or reject the IVA proposal. If creditors representing much more than seventy five% of the complete debt vote in favour, your IVA can go ahead.

The insolvency practitioner will evaluate your scenario every year while you’re on an IVA. In case your revenue modifications, your IVA payments may alter. For instance, if you have a fork out increase at perform you’ll drp是什麼 be anticipated to pay extra into your IVA.

When you are worried about your tackle getting released Information of your drp是什麼 IVA might be held in the community register termed the person Insolvency Register. You are able to question in your tackle not to be published if you are worried someone could possibly see it and damage you or All your family members.

When you finally’ve built each of the payments, your insolvency practitioner gives you an IVA completion certification confirming your IVA has concluded and your debts have been cleared.