5 Essential Elements For drp是什麼 - 【debts.ctr.hk】
5 Essential Elements For drp是什麼 - 【debts.ctr.hk】
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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。
Most of the possessions will not be afflicted by getting an IVA - by way of example, objects you employ in your house.
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。
然後代名人會向法庭提交報告，詳細交代欠債人的資產及負債狀況，並召開債權人會議，與債主商討及重新制定新的還款方案
維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。
彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。
An IVA acts as a proper choice to personal bankruptcy, allowing you to succeed in an amicable arrangement with the creditors without the fear of Expert sanctions being taken against you.
Due to the fact an IVA is made for one human being, it may not be The obvious way to repay joint financial debt. This is because, Even when you are in an IVA for your personal credit card debt, your companion will still be chargeable for repaying the financial debt.
An IVA ordinarily lasts for five years, but it could be prolonged to six decades In case you are a homeowner. It's because you might require to remortgage if you have equity in your property or make added payments if you cannot remortgage.
部份公司的會計師及律師可接受費用分期支付，甚至可因應欠債人的財政能力協議支付方法，例如將專業費用、律師費列入每月還款金額中。這些寬限服務，亦可納入欠債人考慮是否選擇該公司之因素之一。
Yet another key change is 債務舒緩 the categories of financial debt you can involve. Only non-priority debts can be A part of a DMP, like loans and charge card debts. With the IVA, you can include things like vital things like Council Tax arrears and gasoline, water, and electric power expenses.
The end result: Should your IVA is recognized, you’ll receive a letter confirming it, it will iva be extra for the Insolvency Sign up, and you will have to sustain With all the month-to-month payments.
Obtain 債務舒緩 an insolvency practitioner: Look at when they’re registered Using the Insolvency Practitioners Association, and when they’re Portion of a credit card debt assistance organisation, see if they are controlled by the FCA. You can also use the Insolvency Practitioner Listing to find anyone acceptable.
Other practitioners won’t cost a charge Initially. The costs will be taken from the month-to-month personal debt repayments. Whenever you make your regular payment in to the IVA, a part of The cash will go to pay the insolvency practitioner and the rest will go to your creditors.