An IVA is usually a legally binding settlement build among you and your creditors so that you can repay an quantity you can manage more than a hard and fast time frame; typically around five years. It lets any unsecured debts to get created off at the end of the IVA.

公告登報：破產令頒布後，破產管理署署長將在憲報及中、英文各一份報章上，刊登有關破產令廣告；

In case you owe money to persons or businesses from the EU It is possible to’t normally include debts you owe to people today or firms during the EU.

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

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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。

當欠債人在申請債務重組後，環聯資訊有限公司會紀錄相關款項，並會降低借貸人的信貸評級，這也是為什麼一般銀行和財務機構通常不會接納貸款申請。

If you have costlier items, which include antiques or high priced jewellery you might like to sell them that can help spend your debts.

You could Ensure that you happen to be viewing all of the related selections by toggling the ‘Perspective installed and option drivers�?and ‘Watch supplemental info�?switches to the correct in the ‘Motorists�?tab.

Most IVAs drp是什麼 have a windfall clause. A windfall is money or belongings you will get unexpectedly - by way of example:

An IVA will iva是什麼 have an affect on your credit score score because it is going to be recorded on your credit rating file for 6 a long time with the date it truly is agreed.

Should you don’t Possess a lump sum of money or regular quantities to pay for into an IVA, you ought to Examine other options for getting outside of credit card debt. You will find out more about other debt methods.

You will need to meet the subsequent conditions so that you can be suitable to submit an application for an IVA by PayPlan:

For those who don’t know just how much your debts are, you may find out how to collect information regarding 債務重組 your debts.