債務重組邊間�?No Further a Mystery - 【ivahk.top】
債務重組邊間�?No Further a Mystery - 【ivahk.top】
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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。
The creditors�?meeting: That is a distant or in-human being meeting, which you can show up at if you want, exactly where the creditors will opt to take or reject the IVA proposal. If creditors representing over seventy five% of your respective whole personal debt vote in favour, your IVA can go forward.
IVA stands for ‘Specific Voluntary Arrangement�? It’s a proper financial debt Resolution that assists you combine and repay many various debts in one month to month payment. You’ll make a authorized settlement to pay back aspect or all your debts to the creditors in An easily affordable way.
Any assets that you might want to keep, like a car or truck, should be excluded from your IVA. If you don't want to include an asset plus the insolvency practitioner would not Believe your creditors will comply with exclude it, your insolvency practitioner won't deliver the proposal to the creditors.
To acquire an IVA, you'll need 債務舒緩 some spare money each month to pay for your creditors. The amount desired differs based on your IVA, the number of creditors you have got, and the amount of debt you have got. Your insolvency practitioner can talk about this along with you.
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。
A great deal of creditors have signed as many as a little something known as the IVA protocol. What this means is they’re predicted to accept a proposal that has been written in line with the protocol without requesting unwanted changes.
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。
不需要。我們只有在獲得客戶同意後，才會進行債務重組收費。我們提供免費的初步諮詢和會面，我們會用最短的時間讓客戶了解清楚整個服務的流程、影響、收費，同時給予專業建議。我們知道這是重大的決定，踏出這一步將有可能扭轉客戶的一生，因此我們尊重客戶的慎重考慮，在客戶同意之前並不會採取任何收費手續。
Some insolvency practitioners cost a payment upfront, while others consider it from your month-to-month debt repayments. It is vital to request your insolvency practitioner regarding the charges involved and whether you will need to pay back a cost When your IVA proposal is rejected.
Throughout your IVA, furnishing you make the agreed payments, creditors is not going to charge fascination or charges on your debts. They’ll also prevent chasing you 債務重組邊間好 to pay.
A similar might be explained for people making an attempt to shield their earnings, simply because an IVA is particularly ideal When you are in a occupation that prohibits personal bankruptcy being a personal debt Answer, including accountants, financial institution personnel, legal professionals, civil servants, Armed Products and services staff, Jail Officers and Law enforcement Officers.
To 債務舒緩收費 arrange an IVA, you can be billed a rate by your insolvency practitioner, which may differ based on whom you decide on.
只要申請人的信貸評級不算太差，一般都會獲批。如申請人的信貸評級未如理想，所批出的利息一般會較高