If you're not all set to utilize a credit card debt Option or you can't find the money for to today, the government-backed Respiration Room plan could give you extra time.

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。

其他貸款 學生貸款 進修貸款 太陽能貸�?大額投資貸款 結婚貸款 日息循環貸款

After that, they’ll compose an IVA proposal on your creditors as well as the court. The proposal will include:

個人自願安排實行後，債務人需要按時間向代名人還款，再由代名人安排還款予債權人。

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

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

When you finally’ve manufactured each of the payments, your insolvency practitioner provides you with an IVA completion certificate confirming your IVA has concluded plus your debts are cleared.

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

With most IVAs There's a limit on the quantity you’ll be predicted to raise. The Restrict is based on the worth of your house drp and the level of the house loan you already have.

The creditors�?Conference: This is the distant or in-man or woman Assembly, which you can attend if you want, wherever the creditors will opt to settle for or reject the IVA proposal. If creditors symbolizing much more than seventy five% within your full personal debt vote in favour, your IVA can go forward.

香港債務舒緩或重組邊間好? 本會在處理債務問題上會根據你的實際情況，給予你一些確實的建議和適合你的舒緩方案。除此之外，我們亦會為債務人提供適切的支援及幫助，包括一些心理輔導和法律上的援助，更會定時舉行一些理財教育活動，讓大家學懂如何妥善理財，避免在一次出現債務問題；同時亦會有一些培訓及就業支援，讓債務人在償還債務的同事能夠有一份穩定的收入，繼續過一些正常的生活。當然我們亦非常注重債務人和家人的精神健康，會適當地給予一些心理輔導，希望能夠舒緩他們因債務已帶來的一些心理壓力。

An IVA have to be put 債務重組邊間好 in place by a professional insolvency practitioner. An insolvency practitioner is an experienced who's licensed to assist folks in economic trouble.

IVA repayments are managed by an insolvency practitioner (usually a qualified law firm or accountant). IVAs are only readily available in England, Wales and Northern Ireland. Scotland presents a similar financial debt administration Option identified as a ‘secured 債務重組邊間好 have confidence in deed�?