公告登報：破產令頒布後，破產管理署署長將在憲報及中、英文各一份報章上，刊登有關破產令廣告；

Everyone that has a extreme unsecured credit card debt trouble can submit an application for an IVA, but They may be significantly practical to people who own property, since an IVA offers a chance to attempt to secure assets which would be or else vulnerable in individual bankruptcy.

For those who owe revenue to HM Profits and Customs If most of your respective debts are for such things as money tax, countrywide insurance plan arrears or overpaid tax credits, an IVA may not be the correct selection for you.

委託會計師及律師作為代理人。代理人會因應個別欠債人的情況，決定是否接納其案件。委託一經接納，欠債人需就開展債務重組進行宣誓，並由代表律師將臨時命令申請書呈送法庭存檔。

兩者均毋須申請破產。而最大分別在於，申請債務舒緩的欠債人，毋須經任何法律程序。他可直接與債主商量及制訂雙方接納的新還款方案，變相批核時間較短、收費亦較便宜。

Receiving an IVA gained’t ordinarily influence your job. It might be a challenge if you're employed in particular professions - one example is, if you are a solicitor or accountant. You may not be ready to maintain Doing work in the profession When you provide the IVA, or You could have to follow specific problems.

With most IVAs There's a Restrict on the amount you’ll be expected to boost. The limit is predicated on 債務舒緩成功率 the value of your home and the quantity of the mortgage loan you already have.

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。

For those 債務舒緩邊間好 who owe money on your financial institution or a business connected to them, your lender will take money out of your respective account to pay the credit card debt. It’s a smart idea to Get the income paid out into an account at a different 債務重組破產分別 financial institution before your IVA commences. Your insolvency practitioner should assist you with this particular.

欠款人曾因為欠款數額過大而難以負擔，因而需要申請欠款重新整合計劃，因此，本中心衷心勸喻申請通過後的欠款人切勿再次借貸，以免墮入以債養債的無限輪迴。而一般銀行或財務機構亦都不會處理或接受正在欠款重新整合計劃期間的申請。

Our credit card debt tips could possibly be diverse with regards to the country you reside in. Decide on your region beneath to ensure you get the right information and facts.

巿面上有不同種類公司提供債務重組服務，包括律師行、會計公司及專門處理債務重組等服務的公司，以下為數間提供債務重組服務的公司：

i also verify that your business has jogged my memory you may notify your business Anytime to ask for that you just end delivering me with suitable direct marketing and advertising elements.

We could offer you an answer that may decrease your every month payments While using the probable of freezing fascination and costs, and perhaps composing off some of the personal debt.