New Step by Step Map For 債務重組 - 【hkiva.top】
New Step by Step Map For 債務重組 - 【hkiva.top】
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保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。
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。
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：
Payments are managed by an insolvency practitioner. An IVA stops the people you owe from getting additional motion against you. Several of your debt is published off at the end.
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。
服務費當中包括為客戶擬定新的還款書、與不同或最大債權人協商、一切的文書準備及跟進工作。
If your creditors conform to the IVA, once it is ready up, you can make a month-to-month payment for your insolvency practitioner, who will then pay the agreed amount of money to each of the creditors.
For anyone who is concerned about the influence of an IVA on your own job, Examine the stipulations within your contract. Check out if it suggests anything about continuing to work When you've got an IVA.
An IVA ordinarily lasts for 5 a long time, but it could be prolonged to six several years For anyone who is a homeowner. It is because you might need to remortgage When you have fairness in your own drp是什麼 home or make further payments if you cannot remortgage.
In the event you’re still shelling out revenue into your own pension, 債務舒緩收費 you might have to halt paying out in to the pension and use the money to pay for your creditors When you possess the IVA. It'd be doable to continue shelling out into your pension if you will find a crucial purpose. Talk to your insolvency practitioner.
此外，欠債人於申請過程中所花的雜費，如影印費、刊登法律通告費、郵遞及車馬費等，則屬實報實銷。最後，欠債人亦須支付法庭收費，此乃劃一收費。
The result: If your IVA is recognized, you’ll receive a letter confirming it, It will likely be included on the Insolvency Sign up, and you need to sustain Together with the regular monthly payments.
In case you are concerned about your tackle getting printed Particulars of your IVA will be retained in a general public sign up named the Individual Insolvency Sign-up. You are able to talk to iva是什麼 in your deal with never to be revealed should you be concerned somebody may possibly see it and hurt you or your family.
In case you have Long lasting electric power of attorney Lasting electric power of attorney can be a lawful function that provides you lawful authority to produce conclusions for someone else. By way of example, You could have control of their residence and revenue.