面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

We connection to exterior Web sites where by they incorporate relevant information and facts for our site visitors. We're not responsible for the articles of these Sites, or any infringement on your knowledge legal rights below facts protection rules by any exterior website supplier.

If you decide you would like to setup an IVA, you need to ask many insolvency practitioners for quotations or estimates on what costs they'll demand you. That way, you can Review expenses.

The expense of an IVA may differ in between insolvency organizations. However, generally insolvency practitioners demand two charges for an IVA:

Throughout your IVA, delivering you make the agreed payments, creditors is not going to demand interest or charges in your debts. They’ll also quit chasing you to pay for.

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。

If you discover out that you're owing some cash as a result of a thing that happened prior to the IVA, your creditors might need the correct to assert it too - regardless of whether your IVA has finished.

For those who owe income to HM Revenue and Customs If most of your respective debts are for things such as earnings tax, countrywide insurance coverage arrears or overpaid tax credits, an IVA might not be the appropriate selection for you.

much more than £ten,000 - you can obtain an IVA in the event you owe fewer, although the charges are high so there might be much better possibilities In case your debts are smaller sized

The advertisements are previously picked within the ‘Drivers�? ‘Software�? and ‘Security�?tabs. You will need to unselect the boxes that you are not keen on to make certain that You're 債務舒緩債務重組分別 not putting in undesired apps.

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。

As soon as you’ve confirmed you should go ahead with an IVA, you’ll should undergo an experienced insolvency pro. Your financial debt adviser should be able to place you in contact with somebody that might help.

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；

Having said that, as with any software 債務舒緩 program, it is necessary to acquire vital safety measures to make sure the protection within your computer when utilizing this 債務重組破產分別 pack. This contains downloading the computer software from a respected source and frequently updating your antivirus software program.