Your skilled insolvency expert will likely produce a report for your court, such as their ideas on whether or not the proposal is probably going to be successful.

Both a CCJ and an IVA will have an affect on your credit score score and enable it to be more challenging to acquire credit history to the 6 decades they’re in your credit rating file. An IVA is really a legally binding arrangement, indicating your creditors can’t consider even further legal action, which include sending bailiffs or searching for a County Court docket Judgment. Additionally, it usually means your debts are frozen without any extra expenses or fascination payments.

一般銀行只要求債務人變賣可套現資產物業，以減輕欠債額。現時大部份負資產人士及需補地價之業主，其物業都不會受影響。

You can find an IVA without a personal debt management corporation. It’s ordinarily less costly and yow will discover an insolvency practitioner oneself - they’ll manual you through the method.

A handling charge: A cost charged each time the insolvency practitioner procedures your payment. Also referred to 債務舒緩成功率 as a supervisor fee, it will be paid out away from any remaining revenue once the established-up fee is compensated

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面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

If you decide you want to 債務重組 set up an IVA, you should ask many insolvency practitioners for offers or estimates on what 債務舒緩債務重組分別 fees they'll charge you. That way, you could Review fees.

而兩者另一個重要之別是，債務重組申請人只需留起每月薪金的一部分作還款之用，餘額可自由使用；破產申請者的生活卻需被破產官監察，入息在扣除基本生活費後，餘額需由破產官安排作還債之用。

It may also mean your creditors get entry to the rest of your pension pot. You need to get guidance from an impartial fiscal adviser prior to using your pension to repay debts.

香港債務舒緩或重組邊間好? 本會在處理債務問題上會根據你的實際情況，給予你一些確實的建議和適合你的舒緩方案。除此之外，我們亦會為債務人提供適切的支援及幫助，包括一些心理輔導和法律上的援助，更會定時舉行一些理財教育活動，讓大家學懂如何妥善理財，避免在一次出現債務問題；同時亦會有一些培訓及就業支援，讓債務人在償還債務的同事能夠有一份穩定的收入，繼續過一些正常的生活。當然我們亦非常注重債務人和家人的精神健康，會適當地給予一些心理輔導，希望能夠舒緩他們因債務已帶來的一些心理壓力。

Pension danger: If you get money from a private pension, you will have to pay a few of it towards the IVA.

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