如果成功申請債務重組，便可以按照個人的還款能力，與債主重新商議還債安排，同時避開破產，保留專業資格，以免對工作、信貸紀錄及個人聲譽帶來深遠影響。

本人已詳閱並接受貴公司的貸款 申請條款，私隱政策及個人資料收集聲明 並已閱讀條款及細則。

Certain Work could demand you to declare an IVA for your employer. These contain Employment in finance, law, property and accountancy. If you're unsure about whether or not you’ll require to disclose an IVA towards your employer, it’s well worth:

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維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

Despite the fact that Creditor C won't agree, due to the fact Creditors A, B, and D signify about seventy five% of the total debt and also have voted for it, the IVA is accepted and all creditors will have to adhere to its phrases.

破產是一種法律程序，當債務人無法償還債務時，便可經法院宣布破產。破產程序可以由債務人自行提交或由債權人提出申請。香港原訟法庭在接到破產申請後，會判決是否頒布破產令。

The consequences of not paying non-priority debts are much less severe than for priority debts. In spite of getting significantly less significant, your creditors could nevertheless just take iva是什麼 you to court or arrange for bailiffs to go to you.

At the time your insolvency practitioner has developed a proposal, they will phone a creditors�?meeting drp to vote on it. The IVA might be accepted only if creditors symbolizing more than seventy five% from the debts you owe vote ‘Of course�?

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An IVA is recorded on the credit file and will be visible for six many years within the day it absolutely was approved. This document won’t be taken out for those who repay your IVA early, but when it has been repaid, It will probably be marked as ‘comprehensive�? Any debts A part of your IVA may very well be recorded independently on the credit file, too.

Whether an IVA is the best iva debt Answer is dependent upon your situation, which include the level of personal debt you have got, the kinds of personal debt you owe, and your power to make frequent payments.

Pension risk: If you get earnings from a private pension, you could have to pay for a number of it towards the IVA.

不少人都問：債務舒緩或重組邊間好？其實，市面上有不同的公司或機構提供處理債務的服務，當中不乏一些專業人士或機構，但他們未必能夠多角度和多方面地照顧到債務人的需要，只能夠單方面處理財務上的問題，例如一些律師會建議債務人申請破產，但卻忽略了會帶來的嚴重影響。最後債務問題解決了，但未必能舒緩其他因債務問題而引致的生活上各種問題。