債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下：

An IVA may very well be well worth looking at When you have a sizable number of debt you are unable to pay back. It may be an alternative to look at if you prefer to to forestall creditors from getting your property by means of bailiff motion or repossession.

Work risk: You may not be able to continue Doing work For anyone who is a solicitor or accountant with an IVA.

Acquiring an IVA won’t usually impact your job. It'd be a difficulty if you work in sure professions - one example is, should you be a solicitor or accountant. You might not be ready to retain Doing work inside your job Whilst you contain the IVA, or You may have to abide by specified circumstances.

When you've got a defined contribution pension If you haven’t started off having money from your pension pot, your creditors possibly received’t hope you to definitely obtain it to pay cash to the IVA, even if you’re allowed to.

An IVA will usually be automatically included, marked as ‘comprehensive�? and removed from your credit history file as desired. Just after 6 many years, it will eventually now not be seen in your credit history file, however , you can Check out your credit report at times to make sure all the small print are suitable.

An IVA acts as a formal alternative to individual bankruptcy, allowing for you to achieve an amicable arrangement together with your creditors 債務重組收費 without the panic of Qualified sanctions currently being taken towards you.

The results of not paying non-priority debts are significantly less significant than for precedence debts. Regardless of becoming considerably less really serious, your creditors could still consider you to definitely courtroom or arrange for drp bailiffs to visit you.

借得la是一家來自新加坡的網上貸款配對平台，免費為個人及企業用戶在香港尋找最合適的貸款方案。只需數分鐘時間在網上填寫申請，用戶即可接收不同銀行和財務公司所發出的貸款安排及優惠以作比較。

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。

在多年的經驗中，我們理解到，債務人在背負沉重債務而走投無路的情況下，走上重整債務的道路。很多時候，沉重的債務已經令債務人喘不過氣來，再進行債務重組的時候，債務人也會擔心債務重組費用，其所費不斐的手續費與聆訊費，對已經有負債的人來說，可謂雪上加霜。如果債務人直接找會計師樓幫忙，需要一次過繳交所有債務重組的收費，這樣的債務重組價錢，未必個個都負擔得起，到時候真的「做又死唔做又死」。有見及此，本公司以節省利息的百分比來收費，而且債務人在申請時不需要立即繳交債務重組費用。本公司提供分期付款，方便債務人，與債務人共渡時艱。

Failing to help keep up with all your IVA payments could bring about your IVA falling 債務重組收費 into arrears, which could lead to it getting terminated.

Most IVAs Have got a windfall clause. A windfall is cash or belongings you will get unexpectedly - by way of example:

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