如果成功申請債務重組，便可以按照個人的還款能力，與債主重新商議還債安排，同時避開破產，保留專業資格，以免對工作、信貸紀錄及個人聲譽帶來深遠影響。

財產歸屬破產案受託人：破產人的所有財產（包括家庭居所）歸屬破產案受託人，直至破產產業管理完結。解除破產並不等同受託人已完成產業管理；

一般銀行只要求債務人變賣可套現資產物業，以減輕欠債額。現時大部份負資產人士及需補地價之業主，其物業都不會受影響。

網上申請特快服務承諾：於任何辦公日中午前遞交網上申請，將有專人於當日跟進

免責聲明：本專頁刊載的所有投資分析技巧，只可作參考用途。市場瞬息萬變，讀者在作出投資決定前理應審慎，並主動掌握市場最新狀況。若不幸招致任何損失，概與本刊及相關作者無關。而本集團旗下網站或社交平台的網誌內容及觀點，僅屬筆者個人意見，與新傳媒立場無關。本集團旗下網站對因上述人士張貼之資訊內容所帶來之損失或損害概不負責。

如欠債額較低，欠債人較適宜債務舒緩和其他大額清數貸款，不需要經過法律程序和留下紀錄，較適合一些從事敏感行業的人士，如金融業、公務員

Regardless that Creditor C does not agree, simply because Creditors A, B, and D symbolize above seventy five% of your respective overall personal debt and possess voted for it, the IVA is recognized and all creditors will have to adhere to its conditions.

Your SMI payments might quit and You may have to pay back again any SMI you have had considering that 6 April 2018. An IVA might not be best for your needs.

Also, you will find Work that a bankrupt individual wouldn't be legally permitted to maintain, including Operating for The federal government, in the economic companies function, or remaining a corporation director. Currently being within an IVA may not affect your career unless you're employed in financial or authorized services.

“The main reason my credit rating was lower than perfect was which i had Earlier been in an IVA. My credit rating score was basically on its way back again up when I took out my car or truck finance. I would Certainly advise Moneybarn�?�?Kelly.

An additional 債務舒緩邊間好 key difference is the categories of financial debt you are able to include. Only non-precedence debts might be included in a DMP, like financial loans and bank card debts. Using an IVA, you'll be able to contain essential 債務舒緩債務重組分別 things such as Council Tax arrears and gasoline, h2o, and electricity charges.

The result: If the IVA is acknowledged, you’ll receive a letter confirming it, It's going to be drp是什麼 additional for the Insolvency Sign up, and you need to keep up Along with the month-to-month payments.

債務整合過程比其他財務舒緩方案簡單，皆因它不涉及法庭程序，無須欠債方請律師申請臨時債務整合令，也無須委任代名人代擬還款報告，所以沒有法庭費用、報章通告費、代名人費及代名人行政費等額外收費，所以債務重組收費相對低廉，視乎每位顧客的還款年期及欠債金額。

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