職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份銀行、金融業的從事人士需通報公司破產紀錄，或有機會影響職途。債務重組對職業的影響相對上較少，一般無需通報公司。

An IVA can be worth looking at When you've got a sizable degree of financial debt that you're unable to repay. It may be an option to consider if you would like to stop creditors from taking your belongings via bailiff action or repossession.

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。

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

Someone voluntary arrangement (IVA) is a method to pay back your debts at An easily affordable level. It truly is legally binding arrangement amongst you as well as the people you owe.

我們提供不同的計劃方案協助債務人解決債務問題，不同的計劃方案需要符合不同的債務重組條件。如果您不肯定自己的債務問題能夠對應哪個計劃，請參考我們的網頁，或與我們的專員聯絡，我們將為您提供初步免費諮詢，找到解決債務的方向。

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

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Your IVA is going to be authorised at the meeting of creditors in the event you agree to the modifications. Do the folks I owe really need to conform to the IVA?

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。

The creditors�?meeting: This can be a remote or in-particular person Assembly, which you'll attend if you 債務重組收費 want, in which the creditors will commit to take or reject the IVA proposal. If creditors symbolizing a lot more than seventy five% within your full financial debt vote in favour, your IVA can go in 債務重組 advance.

委托代理人後，代理人將向法庭提交報告，交代欠款人財務狀況，包括其擁有的資產、現有負債等，然後就會債主召開會議，商討及重訂還款方案，欠款人應在這階段盡力展示還款誠意，以具證明自己有穩定還款能力，以爭取降低利息支出及延長還款期。

欠債人須向法庭申請債務重組，與債主重新制訂一個雙方都可接納的還款方案

A established-up cost: This is actually the cost of arranging your 債務重組收費 IVA. From time to time identified as a nominee price, this may should be authorized by your creditors