人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。

請按‘檢視查冊結果’，便可讀到查冊報告。如果需要列印本，可以把報告列印出來。

IVA stands for ‘Specific Voluntary Arrangement�? It’s a proper financial debt Alternative that can help you mix and repay a variety of debts in a single monthly payment. You’ll make a authorized settlement to pay off portion or all of your debts for your creditors in an affordable way.

An IVA, or Person Voluntary Arrangement to present it its comprehensive title, is a proper credit card debt Alternative for those with a intense unsecured personal debt dilemma, who want or want to avoid becoming declared bankrupt by their creditors.

They'll then set up a creditors�?Assembly. At this Conference, creditors will vote on no matter whether to simply accept the proposal. For it to generally be accepted, creditors Keeping above 75% of the debts you owe need to comply with it.

Your creditors will continue to be capable to continue to keep asking you for funds, as an example by calling you and sending you letters.

Come across an insolvency practitioner: Look at if they’re registered While using the Insolvency Practitioners Affiliation, and if they’re A part of a financial debt guidance organisation, see if they are controlled from the FCA. You may also use the Insolvency Practitioner Listing to locate anyone ideal.

Some insolvency practitioners cost a price upfront, while some choose it from your regular monthly debt repayments. It is vital to question your insolvency practitioner with regard to the service fees involved and whether or not you will have to pay out a payment Should your IVA proposal is rejected.

Also, you will discover Work opportunities that a bankrupt person wouldn't be lawfully permitted to hold, which include Performing for the government, inside of a fiscal companies part, or being a business director. Being within an IVA won't have an affect on your task unless you're employed in monetary or lawful providers.

私人貸款 熱門貸款 私人分期貸款 稅務貸款 財務公司貸款 結餘轉戶 汽車貸款 循環貸款/私人透支 業主貸款 中小企貸�?銀行貸�?小額貸款 易批貸款 特快貸款 免露面貸�?私人貸款指南 私人貸款常見問題 私人貸款相關常用詞彙 私人貸款銀行或機構 旅遊保險比較

The creditors�?Assembly: This can be a distant or in-person meeting, which you'll go to if you want, in which the creditors will commit to settle for or reject the IVA proposal. If creditors symbolizing a lot more than 債務重組收費 seventy five% of your full debt vote in favour, your IVA can go forward.

The end result: When your IVA is accepted, you’ll get a letter confirming it, It'll be added to the Insolvency Sign up, and you need to sustain Together with the month-to-month payments.

就業限制：不能從事特定職業，如律師、保險、地產和證券商或有限公司董事；

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