You will need to maintain to the spending budget agreed with the provider. The IVA might be extended if you miss payments. You most likely do not need to offer your property, but you might have to release equity from it by remortgaging.

An IVA could help you write off a large amount of your unsecured debt. The exact figure is dependent upon exactly how much spare dollars you have got at the end of monthly.

An IVA is ready up and managed by an insolvency practitioner. They exercise your repayment system, that may involve information regarding how Significantly you’ll shell out every month and how much time the prepare will previous.

Debt aid orders: A debt relief buy freezes financial debt repayments and fascination for 12 months, after which your debts might be prepared off When your financial condition doesn't make improvements to.

紀錄在案：債務重組紀錄與破產個案一樣會登記在破產管理署的名冊上，公眾可隨時查閱，但相對於破產，債務重組影響通常較小。

服務費當中包括為客戶擬定新的還款書、與不同或最大債權人協商、一切的文書準備及跟進工作。

It is possible to anticipate it to choose about six weeks to put in place an IVA. This is 債務重組收費 determined by how complicated your condition is, how promptly you provide the necessary proof to the insolvency practitioner, and no matter whether any creditors would like to alter the terms in the proposed plan. That is based on the drp是什麼 Debt Guidance Foundation.

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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。

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。

欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期

To build an IVA, you will end up charged a charge 債務舒緩收費 by your insolvency practitioner, which may differ depending on whom you choose.

An IVA will look on your credit rating file and can make it more durable to acquire credit. It won't be removed until eventually six decades after the date it was authorized.