保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。

Most of the possessions will not be influenced by having an IVA - one example is, objects you employ in your house.

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。

Financial debt relief orders: A financial debt reduction get freezes credit card debt repayments and curiosity for twelve months, and then your debts may very well be published off Should your monetary situation will not strengthen.

A handling fee: A price charged every time the insolvency practitioner processes your payment. Also referred to as a supervisor fee, It will probably be paid out out of any remaining revenue after the established-up price is paid out

An IVA will usually be automatically extra, marked as ‘total�? and faraway from your credit file as desired. Soon after 6 decades, it is going to no longer be seen on your credit rating file, but you can Test your credit report once in a while to make certain all the main points are proper.

When your IVA is permitted, you received’t really need to talk with your creditors, and when they Make contact with you, you may refer them towards your insolvency practitioner.

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。

由於牽涉到大量行政工作，申請亦需時，申請人如果能夠選擇一間負責任、有專業經驗的代理代為處理申請非常重要。至於申請計劃人仕的僱主是否會被通知，針對大部份職業而言，其僱主是不會知曉的，但對於某些行業，如銀行從業員便需通知金管局、上司，警務人員亦需主動向上級申報等。

With most IVAs There's a Restrict on the amount you’ll be envisioned to raise. The Restrict is based on the worth of your private home and the level of the home finance loan you already have.

Your insolvency practitioner will talk with you regarding your belongings and whether or not they should be included in the IVA or regardless of whether it is possible to retain them. You must tell the insolvency practitioner about all your 債務舒緩 assets. Should you don’t explain to them about one thing you’ll be breaking the legislation.

An IVA features a ‘windfall clause�? If you get a windfall (a sum of cash), you will need to report it and might have to help make more payments in your IVA.

To arrange an 債務重組收費 IVA, you'll be charged a payment by your insolvency practitioner, which differs dependant 債務重組 upon whom you decide on.

For those who have Long lasting power of lawyer Long lasting power of lawyer is usually a legal position that offers you legal authority to generate conclusions for another person. By way of example, You could have Charge of their residence and dollars.