5 Simple Techniques For iva是什麼 - 【iva.ctr.hk】

5 Simple Techniques For iva是什麼 - 【iva.ctr.hk】

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會。若欠債人沒有如實申報所持有物業或其他資產，便有機會令債務重組的申請失敗，而且根據香港法例，在申請債務重組時，須委任代名人向其債權人提出償還債務建議，如果所委任的代名人沒有專業資格，亦有機會申請失敗。

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。

是兩種不同的財務處理方式，它們在多個方面有所不同。以下是兩者的主要區別：

Should you have savings, you usually have to incorporate these in your IVA, either by spending your creditors a lump sum or utilizing the funds for making month-to-month repayments.

If it’s likely you're going to obtain an inheritance or large bonus or reward within the following five yrs, you need to consider carefully about regardless of whether an IVA is well suited for you.

不需要。我們只會收取債務重組費用，其餘如初步諮詢、初次會面都是免費的。我們明白債務人在財務上的壓力，因此我們盡可能為客戶提供實質而有用的幫助，協助客戶減省不必要的金錢浪費，讓他們將資源集中在解決債務困難上。

申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

自僱的身分並不會限制申請人申請任何欠款重新整合方案。只要可以提供所需的文件，如合理的入息證明及其他必申報文件，也能夠辦理申請。

After your insolvency practitioner has produced a proposal, they will simply call a creditors�?meeting to vote on it. The IVA might be acknowledged provided that 債務舒緩收費 creditors representing in excess of seventy five% in 債務重組邊間好 the debts you owe vote ‘yes�?

It’s most effective to pay mortgage or lease arrears independently on your IVA - this can stop you dropping your private home.

No matter whether an IVA is suited is determined by how much personal debt you've got and what number of creditors you've (a creditor is anyone you owe dollars to).

Giving your IVA is approved, you’ll start making month-to-month payments to the company managing your IVA. They’ll divide The cash involving your creditors.

To build an IVA, you will end up billed a cost by your insolvency practitioner, 債務舒緩邊間好 which differs dependant upon whom you decide on.

Rigid: If your situations adjust and You can not make an IVA payment, you may have to declare bankruptcy.