債務舒緩收費 Options - 【iva.ctr.hk】

債務舒緩收費 Options - 【iva.ctr.hk】

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持不反對申請證明到高等法院登記處，取得誓章表格。如果需要英文版本的破產解除證明書，則需使用英文誓章進行申請；

An IVA should be create by a qualified individual, named an insolvency practitioner. The insolvency practitioner will demand service fees for your IVA.

If you get a lump sum as Portion of a private pension, you may should agree to pay back this into your IVA.

Any belongings that you want to help keep, for instance a vehicle, have to be excluded from the IVA. If you do not need to incorporate an asset and the insolvency practitioner isn't going to Assume your creditors will conform to exclude it, your insolvency practitioner will not ship the proposal on your creditors.

An IVA isn’t certain to be acknowledged by your creditors. When drp是什麼 they reject the proposal, you might need to discover A 債務重組邊間好 further personal debt Option.

In case you possess costlier things, for example antiques or pricey jewellery you might like to market them to aid shell out your debts.

話雖如此，債務重組也不是毫無後果的完美方案，申請成功後，債務人需要面對各式各樣的問題。根據《破產規則》，所有申請個人自願安排的欠債人資料都會記錄在登記冊上，供公眾人士查閱，其中包括債務人姓名、身份證號碼、地址等。此外，申請債務重組後，欠債人的信貸評級必定會受到影響，在債務重組期間亦不可以再借貸款，因此對生活確實會造成種種的影響。

破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。

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。

而兩者另一個重要之別是，債務重組申請人只需留起每月薪金的一部分作還款之用，餘額可自由使用；破產申請者的生活卻需被破產官監察，入息在扣除基本生活費後，餘額需由破產官安排作還債之用。

破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。

The same may be said for men and women attempting to guard their earnings, mainly because an IVA is particularly suitable For anyone who is in a occupation that prohibits personal bankruptcy for a debt Answer, for example accountants, financial institution workforce, lawyers, civil servants, Armed Solutions personnel, Prison Officers and Police Officers.

For those who don’t know exactly how much your debts are, you could Learn the way to collect 債務重組邊間好 details about your debts.

When you've got Long lasting electric power of lawyer Long lasting electricity of legal professional is often a legal purpose that gives you legal authority for making decisions for another person. Such as, you might have Charge of their home and dollars.