職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份銀行、金融業的從事人士需通報公司破產紀錄，或有機會影響職途。債務重組對職業的影響相對上較少，一般無需通報公司。

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最新港元定期存款利�?最新美元定期存款利�?最新人民幣定期存款利率 活期存款:最新活期存款利率比較及分析 零存整付:最新銀行低風險月供存款利息比較 銀行開戶口 優惠比較 香港開大陸戶口教�?戶口最低存款額一覽

本公司所承諾的「不成功不收費」亦希望能為債務人打一支強心針，希望債務人知道，方法永遠都在，只要面對，沒有解決不了的難關。

You may obtain it hard to get credit history for 6 yrs following your IVA commences. You may even now have the ability to get credit rating for home products and services - as an example, a fridge or motor vehicle insurance coverage.

You’ll make your payments for the insolvency practitioner. They’ll continue to keep a few of this to pay for their fees and split the rest involving your creditors.

Loads of creditors have signed nearly one thing called the IVA protocol. This implies they’re envisioned to accept a proposal that has been written in keeping with the protocol without having asking for pointless modifications.

Your SMI payments could possibly quit and You may have to pay back again any SMI you have experienced considering the fact that six April 2018. An IVA might not be best for your 債務舒緩邊間好 needs.

有債務人怕債務重組價錢高昂，但經過本公司申請，債務重組費用是在您節省利息的百分比來收費，成功後分期付款，而且不會多於您的還款金額，所以申請人並沒有額外付出之下，完成減供減息

With most IVAs There exists a Restrict on the amount you’ll be envisioned to raise. The Restrict is based on 債務舒緩 the worth of your property and the amount of the mortgage loan you have already got.

A different essential big difference is the types of personal debt you may contain. Only non-priority debts can be A part of a DMP, like loans and charge card debts. By having an IVA, you'll be able to include critical things such as Council Tax arrears and gas, drinking water, and electrical energy expenditures.

The insolvency practitioner will evaluation your problem yearly When you’re on an IVA. If the profits improvements, your IVA payments could transform. One example is, if you have a shell out rise at work you’ll be envisioned to pay for a 債務舒緩收費 lot more into your IVA.

Individual bankruptcy: Declaring bankruptcy signifies that you are legally labeled as being unable to repay your personal debt. You will need to owe in excess of £5,000, and it involves the value of one's property to generally be shared together with your creditors.

A established-up charge: This is the expense of arranging your IVA. Often referred to as a nominee fee, this could have to be authorized by your creditors