A Secret Weapon For 債務舒緩 - 【iva.ctr.hk】
A Secret Weapon For 債務舒緩 - 【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。
An IVA have to be set up by a qualified person, referred to as an insolvency practitioner. The insolvency practitioner will cost costs with the IVA.
Employment threat: You may not give you the option to continue Operating In case you are a solicitor or accountant using an IVA.
IVA stands for person voluntary arrangement. It’s an alternative choice to individual bankruptcy that typically helps you to preserve crucial property including your car and home.
結餘轉戶計劃是銀行或財務機構推出的貸款產品，用作集中還清債務。透過批出新的較低息貸款計劃，協助欠債人先還清來自不同公司的高息債務，減低利息開支外，申請程序亦更為簡便及快捷。
You will find there's unique QR code on the cardboard issued by the customer care officer to each shopper. Shoppers only have to scan the Wechat mini-program to view the Picture, Office and call information of your customer support officer.
You are able to include any volume of credit card debt in your IVA. There won't be any minimum amount or optimum 債務重組破產分別 boundaries. The charges for an IVA are substantial so if your complete financial debt is a lot less than £10,000 an IVA may not be the most suitable choice.
When you are worried about 債務重組 the affect of an IVA in your task, check 債務舒緩收費 the terms and conditions within your deal. Examine if it suggests anything about continuing to operate If you have an IVA.
When you owe funds to people or providers from the EU You could’t commonly insert debts you owe to people today or corporations in the EU.
部份公司的會計師及律師可接受費用分期支付，甚至可因應欠債人的財政能力協議支付方法，例如將專業費用、律師費列入每月還款金額中。這些寬限服務，亦可納入欠債人考慮是否選擇該公司之因素之一。
面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。
影響信貸評級：債務重組期間，透過自願還款可以改善信貸評級。有助於在債務重組完成後更容易獲得貸款或信用卡。
除不能擁有信用卡，對於日常生活的影響不大，亦可考慮申請與存款戶口連結的消費卡（扣帳卡）。
An IVA includes a ‘windfall clause�? If you receive a windfall (a sum of money), you need to report it and may have for making extra payments in your IVA.