iva是什�?- An Overview - 【drp-iva.top】
iva是什�?- An Overview - 【drp-iva.top】
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會。若欠債人沒有如實申報所持有物業或其他資產，便有機會令債務重組的申請失敗，而且根據香港法例，在申請債務重組時，須委任代名人向其債權人提出償還債務建議，如果所委任的代名人沒有專業資格，亦有機會申請失敗。
In the event you very own your property, its worth is going to be taken under consideration as section of the IVA. You’ll have to secure a valuation of your private home to Learn the way Substantially equity is in it. Equity is the money you would make through the sale of a assets just after any home loans are paid out off.
其他貸款 學生貸款 進修貸款 太陽能貸�?大額投資貸款 結婚貸款 日息循環貸款
If you have the resources to repay your debts, alternate credit card debt repayment possibilities may be well worth looking at 1st.
An IVA isn’t sure to be approved by your creditors. When they reject the proposal, you may need to uncover One more financial debt Alternative.
An IVA is a costly selection and also a long-lasting commitment 債務舒緩收費 - there may be a much better Resolution on your problem.
Moreover, if consumers have uncertainties with regards to the identification from the 債務舒緩債務重組分別 officer, you should contact the K Dollars customer service hotline 21111 211 to confirm the id in the staff.
債務重組是《破產條例》下的法律程序，又稱為「個人自願安排」，是破產以外的另一選擇。當欠債人無法按雙方擬定協議還款時，欠債人可向法院申請臨時命令，期間任何人不得向債務人提出破產呈請，但需進行債務重組，與各債權人協商新的還款安排。一旦雙方達成共識，新協議將對所有債權人具約束力。
The moment your insolvency practitioner has produced a proposal, they can phone a creditors�?Conference to vote on it. The IVA is going to be accepted only if creditors representing around seventy five% from the debts you owe vote ‘Certainly�?
Present the necessary facts: You’ll share your existing circumstances with all your insolvency practitioner. This involves evidence of the money and expenditures, such as payslips, Added benefits letters, or bank statements. This aids them have an understanding of your circumstance and draft an IVA proposal.
簡而言之，債務重組是一種更為溫和且可持續的解決方案，尤其對於那些仍希望與債權人保持良好關係的個人或企業而言。相比之下，破產雖然可以給予重新開始的機會，但往往伴隨著更為嚴重和持久的負面影響。
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欠債人須向法庭申請債務重組，與債主重新制訂一個雙方都可接納的還款方案
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。