drp是什�?Secrets - 【iva.ctr.hk】

drp是什�?Secrets - 【iva.ctr.hk】

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At the time your insolvency practitioner has proposed a repayment plan to your creditors and also the terms from the IVA are agreed, you spend the insolvency practitioner every month and they are responsible for splitting the money among your creditors.

債務重組和破產是處理財務困境的兩種不同方法。債務重組是債務人與債權人協商修改還款條件，例如延長還款期限、減少債務總額等，以便債務人有能力按新條件償還債務。破產則是經法院程序，由破產管理署署長或受託人管理債務人財產，以償還債權人債務。

日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。

IVA stands for person voluntary arrangement. It’s an alternative to bankruptcy that sometimes helps you to continue to keep important property including your automobile and residential.

Someone voluntary arrangement (IVA) is a means to pay back your debts at A reasonable amount. It can be legally binding agreement concerning you plus the persons you owe.

體諒到欠款人的困境，大部份債權人在收到欠款重新整合建議書之後都會停止催繳，直至債權人會議表決過後，新的還款方案落實了，欠款人方需要重新開始清繳新的商議欠款額。

An Individual Voluntary Arrangement (IVA) is really a legal settlement involving both you and your creditors to help you repay your debts at An inexpensive price.

It is 債務舒緩 possible to pay off your credit card debt: Your financial debt are going to be cleared in total once your IVA phrase relates to an conclude, iva even when the credit card debt hasn't been paid in entire.

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

巿面上有不同種類公司提供債務重組服務，包括律師行、會計公司及專門處理債務重組等服務的公司，以下為數間提供債務重組服務的公司：

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。

破產令解除後，破產人將獲免除所有可證債項。但以下幾類債項不在免除範圍內，仍然可能被追討：

信用卡卡數｜銀行私人貸款｜財務公司貸款｜高息財務貸款｜儲蓄互助社貸款｜學生資助貸款｜稅務貸款｜商業貸款

An IVA is a legally binding 債務舒緩邊間好 arrangement with your creditors to pay back your debts at A reasonable amount. Most IVAs past for 5-6 years. After that time, nearly anything you still owe is composed off. This implies you received’t be questioned to pay for it again.