What Does 債務舒緩債務重組分別 Mean? - 【ivadrp.top】
What Does 債務舒緩債務重組分別 Mean? - 【ivadrp.top】
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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。
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。
The end result: In the event your IVA is approved, you’ll receive a letter confirming it, It will likely be added into the Insolvency Sign up, and you will have to sustain Together with the regular monthly payments.
Any property that you want to keep, like a car or truck, must be excluded through the IVA. If you don't need to include an asset as well as the insolvency practitioner won't Imagine your creditors will agree to exclude it, your insolvency practitioner will not likely send out the proposal to your creditors.
A debt management firm is probably going to generally be more expensive simply because they cost a rate in addition to the insolvency practitioner's charges.
Significant benefit items like a ‘house�? ‘land�?or even a ‘automobile�?are termed assets and can be A part of your IVA. What this means is you might offer them and use the money to pay the creditors. You don’t need to obtain any unique property to acquire an IVA.
If you have a personal or place of work pension If you receive income from a private or occupational pension, Will probably be incorporated when you're employed out simply how much you can manage to pay for into an IVA.
Your qualified insolvency qualified will then drp是什麼 place together a proposal to acquire in your creditors. Providing your creditors acknowledge your proposal, you’ll commence making regular payments in the direction of your personal debt. The business running your IVA 債務舒緩收費 will divide People payments between your creditors.
You may have a lump sum of money, such as dollars still left to you inside of a will. This is probably going for being included in the IVA. This suggests you’ll ought to use this cash to help make your regular payments in your creditors.
債務重組與破產的最大分別，在於債務重組的申請者並不會有破產身分及紀錄。申請人毋須通知現職僱主、可出任公司管理層、可經營生意、可保留原有物業及銀行賬戶等等，對其工作、資產、個人名聲均較少影響。
An IVA is recorded on your credit file and can be seen for six years from the date it had been permitted. This history won’t be eliminated should you repay your IVA early, but after it's been repaid, Will probably be marked as ‘entire�? Any debts A part of your IVA may very well be recorded independently on the credit history file, way too.
If you will get extra revenue or possessions in the course of an IVA Owning an IVA may well have an affect on any potential money or assets that you just get. For instance, if you move household throughout an IVA, any 債務舒緩收費 income you make as make the most of the sale of one's residence might need to become paid out in the IVA.
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；
選擇「破產案查冊」，「個人自願安排個案查冊」，「破產案及個人自願安排個案查冊」或「強制性清盤案查冊」。