如果成功申請債務重組，便可以按照個人的還款能力，與債主重新商議還債安排，同時避開破產，保留專業資格，以免對工作、信貸紀錄及個人聲譽帶來深遠影響。

We enable 1000's of customers each and every month in the direction of a far better street in advance. In case you’re trying to find car finance by having an IVA, we might help.

Work hazard: You may not be able to continue Doing the job When you are a solicitor or accountant using an IVA.

An IVA, or Personal Voluntary Arrangement to offer it its total title, is a formal personal debt solution for people with a intense unsecured credit card debt problem, who want or will need to stop becoming declared bankrupt by their creditors.

結餘轉戶計劃是銀行或財務機構推出的貸款產品，用作集中還清債務。透過批出新的較低息貸款計劃，協助欠債人先還清來自不同公司的高息債務，減低利息開支外，申請程序亦更為簡便及快捷。

Superior benefit goods similar to a ‘dwelling�? ‘land�?or a ‘automobile�?are termed belongings and will be A part of your IVA. This suggests you'll promote them and use the money to pay the creditors. You don’t need to have any particular property to have an IVA.

其實，債務問題的影響可以很廣泛，包括會影響債務人與家人之間的關係，例如婚姻不和諧、父母與子女關係越來越疏離、問朋友借錢導致關係破裂、因債務而影響工作或聲譽等。這些不愉快事情都會令到債務人的心理受到很大的壓力，影響日常生活和社交。

It is possible to repay your personal debt: Your financial debt are going to be cleared in total once your IVA time period relates to iva an conclude, even if the credit card debt hasn't been paid in total.

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而兩者另一個重要之別是，債務重組申請人只需留起每月薪金的一部分作還款之用，餘額可自由使用；破產申請者的生活卻需被破產官監察，入息在扣除基本生活費後，餘額需由破產官安排作還債之用。

A different critical variation is the types of financial debt you are able to include. Only non-precedence debts may be A part of a DMP, like loans and charge card debts. Using an IVA, it is possible to consist of critical things such as Council Tax arrears and gas, drinking water, and electrical energy expenditures.

香港債務舒緩或重組邊間好? 本會在處理債務問題上會根據你的實際情況，給予你一些確實的建議和適合你的舒緩方案。除此之外，我們亦會為債務人提供適切的支援及幫助，包括一些心理輔導和法律上的援助，更會定時舉行一些理財教育活動，讓大家學懂如何妥善理財，避免在一次出現債務問題；同時亦會有一些培訓及就業支援，讓債務人在償還債務的同事能夠有一份穩定的收入，繼續過一些正常的生活。當然我們亦非常注重債務人和家人的精神健康，會適當地給予一些心理輔導，希望能夠舒緩他們因債務已帶來的一些心理壓力。

由於債務重組是法律程序，故申請成功後對所有債權人及欠款人都具法律約束力，但債務重組記錄會出現在破產署名冊內，公眾可隨時查閱得到。

An IVA is usually a legally binding agreement together with your creditors to pay for again your debts at an affordable charge. Most IVAs previous for 5 or 6 several years. Following that time, everything 債務重組邊間好 you continue to owe is prepared off. What this means is you gained’t be requested to pay it back.