破產並不意味完全無需還款。破產期間，破產人每月收入中，須留出部分，用於還款。

It might also mean your creditors get entry to the remainder of your pension pot. You'll want to get advice from an independent economic adviser right before using your pension to pay off debts.

Certain jobs may possibly need you to definitely declare an IVA in your employer. These contain Work in finance, legislation, property and accountancy. If you are Not sure about no matter if you’ll need to have to disclose an IVA on your employer, it’s worth:

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債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下：

At the time your insolvency practitioner has proposed a repayment intend to your creditors plus 債務重組 the phrases of the IVA are agreed, you spend the insolvency practitioner on a iva是什麼 monthly basis and they're answerable for splitting The cash involving your creditors.

Based upon scores given in the final yr by purchasers aided with DMP and equity launch. Customers polled a few months into their Remedy.

Any amount of debts could be involved but Usually an IVA are going to be ideal In case you have multiple creditor.

不需要。我們只會收取債務重組費用，其餘如初步諮詢、初次會面都是免費的。我們明白債務人在財務上的壓力，因此我們盡可能為客戶提供實質而有用的幫助，協助客戶減省不必要的金錢浪費，讓他們將資源集中在解決債務困難上。

如果輸入的資料正確，請按「確認」；如果您擬作任何更改，請按「修改」。

i also confirm that your company has reminded me you could notify your organization at any time to request that you simply quit delivering me with suitable immediate promoting products.

債務人在申請時不需要立即繳交債務重組費用，本公司更提供分期付款，方便債務人，與您共渡時艱。

You must fulfill the subsequent standards so as to be qualified to make an application 債務舒緩債務重組分別 for an IVA by means of PayPlan:

結餘轉戶貸款是一種私人貸款產品，與債務舒緩計劃不同，其原理是將多筆卡數或債務合併，並轉移至單一債權人，以達至減少利息支出、方便管理債務及延長還款期等作用。