According to scores supplied in the last year by customers helped with DMP and fairness release. Clients polled a few months into their Option.

申請者不但不需要付額外債務重組收費，而且本公司盡所能，為您組織完善計劃書，節省最多，慳得最多。讓您可以好好擺脫債務，重新做人。

An IVA and personal bankruptcy are both of those kinds of insolvency (monetary problem in which you can’t repay your debts). The crucial element distinction is the fact in bankruptcy, you will need to hand over all your property (which include your property) that may be sold to Recuperate your debts. An IVA provides a route to becoming credit card debt-no cost by creating agreed month to month payments towards your creditors.

An IVA, or Particular person Voluntary Arrangement to offer it its total title, is a proper personal debt Option for individuals with a intense unsecured financial debt problem, who want or have to have to stop getting declared bankrupt by their creditors.

結餘轉戶計劃是銀行或財務機構推出的貸款產品，用作集中還清債務。透過批出新的較低息貸款計劃，協助欠債人先還清來自不同公司的高息債務，減低利息開支外，申請程序亦更為簡便及快捷。

Higher worth merchandise like a ‘home�? ‘land�?or maybe a ‘car or truck�?are named property and might be included in your IVA. This implies you can promote them and use the money to pay for the creditors. You don’t have to have to have any particular property to receive an IVA.

An IVA functions as a proper option to bankruptcy, allowing for you to succeed in an amicable agreement with the creditors without the anxiety of Experienced sanctions becoming taken versus you.

一般而言，欠債人須向委託之會計師及律師支付其專業服務的費用，該費用因人而異，多以負債金額、債權人數目、物業數目等不同因素而定。

Your debts are going to be mixed into one particular very affordable month-to-month payment with a clear drp timeline so you already know when you will end up debt-totally free.

本會一直以來致力協助香港不同人士處理債務問題，減輕債務人和家庭成的債務和心理壓力。債務的出現可以有多種因素，包括家庭經濟壓力、不當的理財方式、不良的嗜好或習慣等。不論你是因為什麼原因而導致債務問題的出現，本會都希望能夠根據你的獨特需要，協助你真正解決問題，讓你可以儘早重過新生活。

A further critical variation is the types of personal debt you may contain. Only non-precedence debts might be included in a DMP, like financial loans and credit card debts. Having an IVA, it is possible 債務重組收費 to contain essential things such as Council Tax arrears and fuel, drinking water, and electricity charges.

Regardless of whether an IVA iva是什麼 is the best financial debt Option relies on your circumstances, such as the amount of debt you have, the types of personal debt you owe, as well as your ability to make regular payments.

Pension possibility: If you receive profits from a personal pension, you'll have to pay many of it toward the IVA.

選擇「破產案查冊」，「個人自願安排個案查冊」，「破產案及個人自願安排個案查冊」或「強制性清盤案查冊」。