You should maintain to your spending plan agreed along with your company. The IVA might be prolonged should you overlook payments. You almost certainly do not have to market your own home, but you may have to release equity from it by remortgaging.

An IVA needs to be setup by a certified person, termed an insolvency practitioner. The insolvency practitioner will demand costs for the IVA.

香港有不同的債務重組公司，每間公司所提供的服務內容以至收費均有不同。欠債人亦先了解不同公司的計劃，以作出最後決定。

然後代名人會向法庭提交報告，詳細交代欠債人的資產及負債狀況，並召開債權人會議，與債主商討及重新制定新的還款方案

Somebody voluntary arrangement (IVA) is a method to pay back your debts at an affordable fee. It can be lawfully binding agreement amongst you along with the men and women you owe.

If you're serious about utilizing a financial debt administration enterprise, Test simply how much they will charge before you decide.

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。

Personal Voluntary Preparations, or IVAs, are legal agreements which will help you pay back your personal debt at a far more inexpensive fee. Read on to find out how they operate and whether or not they can be an option for you.

In case you owe money to the lender or an organization linked to them, your bank will take money out of the account to pay for the personal debt. It’s a smart idea to get your income paid out into an account at a different financial institution before your IVA begins. Your insolvency practitioner really should make it easier to with this.

If you are acquiring a Point out Pension, It's going to be bundled when you work out the amount you can pay for to pay for into an IVA.

But how does an IVA have an affect 債務舒緩邊間好 on you? There's a chance you're concerned about the way it impacts your credit rating and talent to have accredited for such things as car or truck finance. Our guidebook explores what an IVA is, how it works, and responses your widespread queries.

就業限制：不能從事特定職業，如律師、保險、地產和證券商或有限公司董事；

A 債務重組 established-up price: This is actually the cost of arranging your IVA. In some cases identified as a nominee drp price, this can should be permitted by your creditors