人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。

Banking constraints: You'll only be permitted to use a standard bank account through the IVA to stop borrowing by way of an overdraft.

Getting a done IVA on your file could continue on to really make it tougher so that you can borrow for some time, as opportunity lenders will see that you’ve had problems generating repayments up to now.

Receiving an IVA gained’t generally affect your position. It would be an issue if you're employed in sure professions - such as, for anyone who is a solicitor or accountant. You might not be ready to retain Functioning inside your career Whilst you contain the IVA, or You may have to follow selected situations.

Any person using a critical unsecured personal debt challenge can make an application for an IVA, but They are really particularly practical to individuals that own assets, due to the fact an IVA presents an opportunity to try and protect belongings which might be otherwise susceptible 債務舒緩債務重組分別 in individual bankruptcy.

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。

In the IVA, your creditors should cease charging fascination or chasing you in your debts. Any revenue that you owe after the agreed period will probably be composed off.

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。

有債務人怕債務重組價錢高昂，但經過本公司申請，債務重組費用是在您節省利息的百分比來收費，成功後分期付款，而且不會多於您的還款金額，所以申請人並沒有額外付出之下，完成減供減息

Nevertheless, an IVA might be adaptable based upon your needs and circumstances. One example is, if you don’t have Considerably spare revenue from the regular income but do have anything you could sell to boost a lump sum, there's a chance you're capable of fork out your creditors While using the lump sum.

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Whether an IVA is the greatest credit card debt Resolution depends upon your situation, which include the iva是什麼 amount of credit card debt you have got, the types of financial debt you owe, along with your capacity to make normal payments.

就業限制：不能從事特定職業，如律師、保險、地產和證券商或有限公司董事；

For those who have Long lasting electrical power of legal professional Long lasting electrical power of legal professional is a legal purpose that offers you legal authority to generate conclusions for someone else. By way of example, You could 債務重組破產分別 have Charge of their house and funds.