An IVA might not be ideal for you should you owe income to persons or enterprises during the EU. These debts might not be included by an IVA.

Your insolvency practitioner - a qualified lawyer or accountant, will advise you on what payments to make. You need to only agree to payments you think you are able 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。

本公司所承諾的「不成功不收費」亦希望能為債務人打一支強心針，希望債務人知道，方法永遠都在，只要面對，沒有解決不了的難關。

A financial debt management corporation is probably going being more expensive given that they charge a price on top of the insolvency practitioner's fees.

日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。

An IVA functions as a formal option to bankruptcy, allowing for you to succeed in an amicable arrangement along with your creditors without the panic of Qualified sanctions currently being taken in opposition to you.

自僱的身分並不會限制申請人申請任何欠款重新整合方案。只要可以提供所需的文件，如合理的入息證明及其他必申報文件，也能夠辦理申請。

不需要。我們只有在獲得客戶同意後，才會進行債務重組收費。我們提供免費的初步諮詢和會面，我們會用最短的時間讓客戶了解清楚整個服務的流程、影響、收費，同時給予專業建議。我們知道這是重大的決定，踏出這一步將有可能扭轉客戶的一生，因此我們尊重客戶的慎重考慮，在客戶同意之前並不會採取任何收費手續。

For those who’re even now having to pay cash into your individual pension, You may have to stop paying into your pension and use The cash to pay your creditors As you hold the IVA. It might be probable to continue paying into your pension if you will find a significant rationale. Check with your insolvency practitioner.

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。

Delivering your IVA is acknowledged, you’ll 債務舒緩債務重組分別 begin making every month payments to the corporate taking care of your IVA. They’ll divide the money between your creditors.

You ought to get monetary advice from an unbiased monetary adviser before utilizing your pension to pay off personal debt. A ‘defined contribution pension�?relies on the amount of has long been paid out into iva是什麼 your pot, not your income in the vicinity of retirement.

Someone voluntary arrangement have to be 債務重組 put in place by a professional insolvency specialist. They’ll work out just how much you are able to pay for to pay for each and every month soon after covering your important costs.