But how does an IVA have an impact on you? You could be concerned about how it impacts your credit score rating and ability to obtain approved for such things as auto finance. Our information explores what an IVA is, how it really works, and responses your prevalent questions.

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破產者在破產期間，不得擔任公司董事或參與業務管理，亦不得從事部分行業和職業：

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。

A similar could be claimed for persons trying to guard their money, since an IVA is particularly suited For anyone who is within a job that prohibits personal bankruptcy being a personal debt Remedy, including accountants, lender workers, legal professionals, civil servants, Armed Products and services staff, Jail Officers and Police Officers.

You could possibly choose to profit a number of your pension to raise a lump sum for an IVA. Nonetheless, this would go away you with a lot less income to continue to exist once you retire.

Before we recommend an IVA for yourself, We are going to carry out a full evaluation of one's instances to come to a decision if this is the best personal debt Remedy to suit your needs, or advocate an alternative, 債務舒緩收費 if we think that could well be better.

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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。

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 the payments you make aren’t plenty of to pay your debts in full by the tip of one's IVA, you received’t must spend The remainder.

Providing your IVA is recognized, you’ll start out generating regular payments to the corporate handling your IVA. They’ll divide The cash in between your creditors.

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