保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。

電子錢包攻略家庭開支 家用／水電煤／寬頻入油【信用卡交租】信用卡交租賺現金回贈比較與教學

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。

Debt aid orders: A debt reduction get freezes credit card debt repayments and interest for 12 months, and then your debts might be published off When your financial circumstance would not boost.

Should you don’t have a lump sum of cash or regular amounts to pay into an IVA, it is best to Check out other choices for receiving out of credit card debt. You could find out more details on other personal debt options.

不需要。我們只會收取債務重組費用，其餘如初步諮詢、初次會面都是免費的。我們明白債務人在財務上的壓力，因此我們盡可能為客戶提供實質而有用的幫助，協助客戶減省不必要的金錢浪費，讓他們將資源集中在解決債務困難上。

In case your creditors comply with the IVA, as soon as it is about up, you can make a monthly payment to your insolvency practitioner, who will then pay out the agreed amount of money to every within your creditors.

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。

When your insolvency practitioner has created a proposal, they can simply call a creditors�?meeting to vote on it. The IVA are drp going to be acknowledged provided that creditors representing around 75% on the debts you owe vote ‘yes�?

EU creditors however have to sue right 債務舒緩債務重組分別 here in the UK as opposed to abroad inside the EU, although they may have an present judgment. The united kingdom will recognise EU judgements entered or begun before 31 December 2020.

The creditors�?meeting: This is a distant or in-man or woman Conference, which you'll be able to go to if you wish, exactly where the creditors will choose to take or reject the IVA proposal. If creditors symbolizing in excess of seventy five% of your respective overall financial debt vote 債務重組破產分別 in favour, your IVA can go ahead.

You can decide to cash in a few of your pension to raise a lump sum for an IVA. Nonetheless, this would depart you with considerably less income to live to tell the tale any time you retire.

An IVA must be create by a certified insolvency practitioner. An insolvency practitioner is an expert that is certified to aid persons in money issues.

申請破產條件是什麼？經濟不景，破產成為社會關注議題。本文將分享債務重組與破產分別、申請破產後果壞處、破產限制、申請破產程序、申請破產費用及破產年期。另外，亦會回答一些常見破產提問，例如破產開銀行出糧戶口可以嗎？破產後工作有何限制？破產唔洗還錢？