致力為客戶提供優質服務，我們非常重視與每一位客戶直接溝通的機會，並會認真管理客戶回饋的寶貴意見

申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

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Regardless of whether an IVA is acceptable is dependent upon just how much personal debt you may have and what number of creditors you've (a creditor is anyone you owe income to).

Yes, the people you owe have to agree to your IVA. There'll be a meeting of creditors to determine whether or not to approve your IVA. For your IVA to be authorised:

If you get far more revenue or possessions through an IVA Owning an IVA might have an effect on any potential cash flow or property that you just get. By way of example, if you move home through an IVA, any money you make as profit from the sale of your property might need to generally be compensated in the IVA.

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Analytics cookies We'd love to set analytics cookies to aid us boost our website by amassing and reporting information on how you use it. The cookies obtain data in a means that does not specifically 債務重組破產分別 recognize anybody.

毋須像債務重組般，一旦申請成功則須通知特定行業的僱主，如紀律部隊及銀行從業員，以便影響工作前途

You can only include things like a secured loan or mortgage loan in an IVA your lender agrees - they don’t usually concur.

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

不少人都問：債務舒緩或重組邊間好？其實，市面上有不同的公司或機構提供處理債務的服務，當中不乏一些專業人士或機構，但他們未必能夠多角度和多方面地照顧到債務人的需要，只能夠單方面處理財務上的問題，例如一些律師會建議債務人申請破產，但卻忽略了會帶來的嚴重影響。最後債務問題解決了，但未必能舒緩其他因債務問題而引致的生活上各種問題。

Each software program is launched underneath license style that are available on method internet pages and on look for or classification internet pages. Here i will discuss the commonest license varieties:

Your qualified insolvency specialist will 債務重組 then put alongside one another a proposal to just take to the creditors. Delivering your creditors acknowledge your 債務舒緩債務重組分別 proposal, you’ll start out generating regular payments in direction of your financial debt. The corporate controlling your IVA will divide Individuals payments among your creditors.