5 Simple Statements About 債務舒緩成功�?Explained - 【ivano1.com】
5 Simple Statements About 債務舒緩成功�?Explained - 【ivano1.com】
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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。
的確，為了追回欠款，銀行在特定情況下會要求欠款人變賣手上物業，以抵償一部份欠款，然而，針對大部份負資產人仕、手上物業需補地價之業主，並不在受影響範圍內。
Specified Employment could demand you to declare an IVA in your employer. These include things like Employment in finance, law, assets and accountancy. If you are unsure about whether or not you’ll require to reveal an IVA on your employer, it’s worthy of:
Following that, they’ll create an IVA proposal on your creditors and also the court docket. The proposal will incorporate:
An IVA isn’t certain to be approved by your creditors. If they reject the proposal, you may need to discover A further financial debt Answer.
In case you are pondering using a debt administration enterprise, Examine exactly how much they will charge before you decide.
申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。
An IVA offers a proper composition to allow you to make repayments on your creditors according to affordability in lieu of in the preceding contractual preparations. You agree to shell out your creditors about you'll be able to find the money for throughout the phrase with the IVA but no more, whilst, consequently, they concur to simply accept your payments rather than forcing you in to bankruptcy and promise to legally 'publish-off' any dollars still out standing at the end of your arrangement in the event you productively get 債務重組破產分別 to the close of the IVA term.
After your insolvency practitioner has developed a proposal, they will phone a creditors�?meeting to vote on it. The IVA might be acknowledged provided that creditors representing in excess of seventy 債務重組收費 five% in the debts you owe vote ‘yes�?
If you’re continue to paying out cash into your individual pension, drp是什麼 You may have to halt spending in to the pension and use The cash to pay your creditors As you hold the IVA. It'd be attainable to continue spending into your pension if there is an important explanation. Inquire your insolvency practitioner.
此外，欠債人於申請過程中所花的雜費，如影印費、刊登法律通告費、郵遞及車馬費等，則屬實報實銷。最後，欠債人亦須支付法庭收費，此乃劃一收費。
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。
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An IVA includes a ‘windfall clause�? If you get a windfall (a sum of cash), you should report it and might require to make further payments in your IVA.