影響信貸評級：破產通常會導致信用評級的急劇下降，而重組的影響則較為溫和。債務重組過程中，信貸評級可能受到影響，而在清還貸款前，欠債人不能再借貸或申請信用卡。

Additionally they act as an intermediary in between you and your creditors. Only seventy five% of the creditors ought to agree to the repayment approach to the IVA to continue.

An IVA and bankruptcy are each varieties of insolvency (economical problem in which you'll be able to’t repay your debts). The main element variation is in personal bankruptcy, you will need to hand over your assets (like your private home) which can be offered to Get better your debts. An IVA provides a route to becoming financial debt-totally free by earning agreed month to month payments towards your creditors.

To have an IVA, you'll need some spare money every month to pay your creditors. The amount desired varies determined by your IVA, the number of creditors you have, and simply how much personal debt you've. Your insolvency practitioner should be able to discuss this with you.

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

You’ll make your payments to the insolvency practitioner. They’ll keep some of this to pay for their service fees and split the rest amongst your creditors.

Failing to maintain up with the IVA payments may possibly lead to your IVA slipping into arrears, which could lead to it being terminated.

Introduced into laws as A part of the Insolvency Act in 1986, IVAs are getting to be a very fashionable way for folks to deal with their particular unsecured financial debt complications, but what on earth is an IVA, and how does it get the job done?

由於牽涉到大量行政工作，申請亦需時，申請人如果能夠選擇一間負責任、有專業經驗的代理代為處理申請非常重要。至於申請計劃人仕的僱主是否會被通知，針對大部份職業而言，其僱主是不會知曉的，但對於某些行業，如銀行從業員便需通知金管局、上司，警務人員亦需主動向上級申報等。

In case the payments you make aren’t adequate to pay your debts in comprehensive by the tip of the IVA, you won’t have to fork out the rest.

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。

Failing to keep up using 債務舒緩成功率 your IVA payments may bring about your IVA falling into arrears, which could lead on to it getting terminated.

You ought to get financial guidance from an independent financial adviser before utilizing your pension to repay debt. A ‘described contribution pension�?relies on the amount of has actually been paid into your pot, not your income iva around retirement.

It stops your personal debt from growing: The moment an IVA is agreed, your creditors can’t increase curiosity, late iva是什麼 expenses or other costs into the financial debt, which stops it from expanding.