Not known Facts About 債務舒緩債務重組分別 - 【ivano1.com】

Not known Facts About 債務舒緩債務重組分別 - 【ivano1.com】

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As soon as your insolvency practitioner has proposed a repayment plan to your creditors and the conditions of your IVA are agreed, you pay out the insolvency practitioner each and every month and they are to blame for splitting the money among your creditors.

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債務重組是《破產條例》下的法律程序，又稱為「個人自願安排」，是破產以外的另一選擇。當欠債人無法按雙方擬定協議還款時，欠債人可向法院申請臨時命令，期間任何人不得向債務人提出破產呈請，但需進行債務重組，與各債權人協商新的還款安排。一旦雙方達成共識，新協議將對所有債權人具約束力。

法庭會進行聆訊，讓欠債人重組債務。一經通過，欠債人每月須依照新的還款方案分期還款。

Somebody voluntary arrangement (IVA) is a means to pay back your debts at An economical charge. It can be lawfully binding arrangement amongst you as well as individuals you owe.

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Failing to maintain up using your IVA payments may well cause your IVA falling into arrears, which could lead to it being terminated.

當欠債人向法庭入紙申請臨時命令時，他須向法庭支付一筆一次性的費用。收費按欠債金額而定，計算如下：

NerdWallet British isles Web site is often a free support without any cost to iva your person. Quite a few or the entire products and solutions and types we promote and feature including 債務舒緩收費 our ‘Partner Spotlights�?are from our associates who compensate us. Uncover more details about how our site works.

兩者均毋須申請破產。而最大分別在於，申請債務舒緩的欠債人，毋須經任何法律程序。他可直接與債主商量及制訂雙方接納的新還款方案，變相批核時間較短、收費亦較便宜。

If you discover out that you are due some cash thanks to something which happened prior to the IVA, your creditors might have the best to assert it too - even though your IVA has concluded.

Whether an IVA is the best financial debt Resolution will depend on your instances, like the amount of debt you might have, the categories of credit card debt you owe, and also your capacity to make iva standard payments.

While we could’t recommend on the best Resolution out there, we’ve teamed up with PayPlan, who provide totally free debt aid and assistance.

自僱人士當然可以辦理債務重組申請，只要能夠提供合理的入息證明，也符合辦理債務重組的基本要求。