Not known Factual Statements About 債務舒緩收費 - 【iva.ctr.hk】
Not known Factual Statements About 債務舒緩收費 - 【iva.ctr.hk】
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人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。
債務重組後果提供了一種有效的財務解決方案，幫助債務人避免破產，重新制定還款計劃，實現財務重建。本文將深入探討債務重組的意義、程序、條件以及其對個人財務狀況的影響。
是兩種不同的財務處理方式，它們在多個方面有所不同。以下是兩者的主要區別：
To obtain an IVA, you may need some spare cash each and every month to pay for your creditors. The amount wanted varies dependant upon your IVA, the number of creditors you may have, and just how much credit card debt you have. Your insolvency practitioner should be able to go over this along with you.
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。
Your creditors will continue to be capable of retain inquiring you for dollars, for example by calling you and sending you letters.
In the IVA, your creditors need to cease charging desire or chasing you to your debts. Any funds that you choose to owe following the agreed period is going to be penned off.
Since an IVA is designed for one human being, it may not be The easiest way to repay joint credit card debt. This is because, Even when you are in an IVA for your personal debt, your associate will even now be liable drp是什麼 for repaying the debt.
Your IVA is going to be permitted at the meeting of creditors in the event you agree to the modifications. Do the individuals I owe 債務舒緩收費 need to agree to the IVA?
巿面上有不同種類公司提供債務重組服務，包括律師行、會計公司及專門處理債務重組等服務的公司，以下為數間提供債務重組服務的公司：
債務舒緩做法跟債務重組類似，但兩者的分別便在於債務舒緩毋須經過任何法律程序，而是由欠款人及債主自行磋商新的還款方案。如債務來自多間家銀行，最大債主會主導債務舒緩方案，與其他銀行定商議如何分配欠款人的每月還款額，不少銀行設專屬部門處理債務舒緩程序。不過，若欠款人無法與債主們達成共識，最終很可能交予法院處理，即上文提到的債務重組計劃方案。
Supplying your IVA is acknowledged, you’ll get started producing monthly payments to the 債務舒緩債務重組分別 company handling your IVA. They’ll divide the money in between your creditors.
The cost of an IVA varies in between insolvency businesses. Nevertheless, usually insolvency practitioners charge two fees for an IVA:
Register for that electoral roll, should you haven’t now, to make it much easier for lenders to verify your identification.