The smart Trick of 債務重組邊間�?That Nobody is Discussing - 【ivano1.com】

The smart Trick of 債務重組邊間�?That Nobody is Discussing - 【ivano1.com】

Blog Article

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。

It covers most debts, including credit history and store playing cards, financial loans, overdrafts and arrears on family expenditures. You'll need to receive assistance from the financial debt adviser initially - they’ll Check out all your debts to determine should they’re covered.

Ensure that you pay out your bills in comprehensive and by the due date. Paying out bills promptly like automobile finance might help enhance your credit score score.

Payments are managed by an insolvency practitioner. An IVA stops the individuals you owe from having further action towards you. Some of your personal debt is created off at the top.

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

Equifax is a worldwide credit score reference company running in the united kingdom. You are able to 債務重組收費 accessibility your Equifax credit score report totally free by signing up for your myEquifax account.

生活限制：不能乘坐的士、不可購買貴重物品及資產（如物業、汽車）、不能再對已購買保險作出供款；

Accessibility free of charge sources and learning modules within the 債務重組邊間好 Eagle Labs Academy System �?all tailor-made to each phase of your iva online business journey and entirely absolutely free.

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。

部份公司的會計師及律師可接受費用分期支付，甚至可因應欠債人的財政能力協議支付方法，例如將專業費用、律師費列入每月還款金額中。這些寬限服務，亦可納入欠債人考慮是否選擇該公司之因素之一。

若你發現自己無法按計劃還款，首先不必驚慌。你需要立即與你的債務顧問或律師聯絡，他們可以為你提供專業的建議，並幫助你了解你現在有哪些選擇。與此同時，你也應該盡快與債權人聯絡，向他們解釋你當前的困難，並嘗試協商修改還款計劃。如果情況允許，你也可以尋求專業的財務諮詢，他們可以根據你的具體情況，為你制定一個新的財務計劃。

欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期

由於債務重組是法律程序，故申請成功後對所有債權人及欠款人都具法律約束力，但債務重組記錄會出現在破產署名冊內，公眾可隨時查閱得到。

It helps prevent your debt from escalating: The moment an IVA is agreed, your creditors can’t increase interest, late charges or other charges for the credit card debt, which stops it from expanding.