When your insolvency practitioner has proposed a repayment intend to your creditors and also the terms from the IVA are agreed, you pay the insolvency practitioner each month and they're to blame for splitting The cash amongst your creditors.

申請者不但不需要付額外債務重組收費，而且本公司盡所能，為您組織完善計劃書，節省最多，慳得最多。讓您可以好好擺脫債務，重新做人。

Most non-precedence debts is often A part of a person voluntary arrangement. A financial debt is classed as both priority or non-precedence based upon how serious the implications are for those who don’t pay. 

You will get an IVA without having a debt administration company. It’s usually more affordable and you can find an insolvency practitioner oneself 債務舒緩收費 - they’ll guideline you through the method.

債務舒緩毋須經過任何法律程序，而是由欠款人及債主自行磋商新的還款方案，因此較為適合欠債額較低、或從事敏感工作的人士

Priority debts are not A part of an IVA. They depend toward your every month residence fees as a substitute. Priority debts consist of:

最佳信用卡 熱門信用�?現金回贈信用�?飛行里數信用�?海外簽賬／旅行信用卡 迎新優惠信用�?網購信用�?免年費信用卡 銀聯信用卡 學生信用�?餐飲信用�?電子錢包信用�?公司信用�?八達通自動增值信用卡

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。

An Individual Voluntary Arrangement (IVA) can negatively have an effect on your credit history rating and indicates you would want to chop again on any non-essential paying.

When the payments you make aren’t sufficient to pay your debts in comprehensive by the top of the IVA, you won’t need to fork out the rest.

簡而言之，債務重組是一種更為溫和且可持續的解決方案，尤其對於那些仍希望與債權人保持良好關係的個人或企業而言。相比之下，破產雖然可以給予重新開始的機會，但往往伴隨著更為嚴重和持久的負面影響。

An IVA includes a ‘windfall clause�? If you receive a windfall (a iva sum of money), you will need to report it and might have to make further payments in your IVA.

To put in place an IVA, you're going to iva be billed a rate by your insolvency practitioner, which may differ based upon whom you end up picking.

欠款人曾因為欠款數額過大而難以負擔，因而需要申請欠款重新整合計劃，因此，本中心衷心勸喻申請通過後的欠款人切勿再次借貸，以免墮入以債養債的無限輪迴。而一般銀行或財務機構亦都不會處理或接受正在欠款重新整合計劃期間的申請。