Not known Facts About 債務舒緩債務重組分別 - 【iva1.top】

Not known Facts About 債務舒緩債務重組分別 - 【iva1.top】

Blog Article

人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。

請按‘檢視查冊結果’，便可讀到查冊報告。如果需要列印本，可以把報告列印出來。

如欠債人在供款期間不幸被解僱或遭減薪，只要出示有關證明文件，並獲債權人同意，就可暫時停供還款。

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。

破產者在破產期間，不得擔任公司董事或參與業務管理，亦不得從事部分行業和職業：

You’ll make your payments into the insolvency practitioner. They’ll maintain several of this to pay for their charges and break up The remainder in between your creditors.

其實，債務問題的影響可以很廣泛，包括會影響債務人與家人之間的關係，例如婚姻不和諧、父母與子女關係越來越疏離、問朋友借錢導致關係破裂、因債務而影響工作或聲譽等。這些不愉快事情都會令到債務人的心理受到很大的壓力，影響日常生活和社交。

An IVA delivers a formal framework to enable you to make repayments on your creditors according to affordability rather then on the former contractual arrangements. You comply with pay back your creditors approximately you could pay for all over the term in the IVA but no additional, whilst, in turn, they agree to just accept your payments in lieu of forcing 債務舒緩收費 you in to individual bankruptcy and promise to legally 'publish-off' any revenue still out standing at the end of your arrangement in case you correctly get to the 債務重組 finish in the IVA phrase.

債務重組常見問題

Supply the mandatory info: You’ll share your 債務舒緩收費 latest circumstances using your insolvency practitioner. This includes proof within your earnings and charges, like payslips, Added benefits letters, or bank statements. This aids them fully grasp your situation and draft an IVA proposal.

An IVA isn’t certain to be recognized by your creditors. If they reject the proposal, you may have to uncover An additional credit card debt Alternative.

債務重組是一種透過法律途徑處理大量欠款的策略，進行此項程序前需要留意一些準備步驟和重要事宜。

信用卡卡數｜銀行私人貸款｜財務公司貸款｜高息財務貸款｜儲蓄互助社貸款｜學生資助貸款｜稅務貸款｜商業貸款

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