An IVA is a legally binding settlement create in between you and your creditors for you to repay an total you'll be able to pay for over a fixed time frame; generally all over five years. It allows any unsecured debts for being penned off at the conclusion of the IVA.

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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。

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債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下：

職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份銀行、金融業的從事人士需通報公司破產紀錄，或有機會影響職途。債務重組對職業的影響相對上較少，一般無需通報公司。

Everyone with a extreme unsecured credit card debt problem can apply for an IVA, but They can be specially practical 債務重組邊間好 to individuals who very own property, mainly because an IVA features a possibility to attempt to secure belongings which might be or else vulnerable in bankruptcy.

影響信貸評級：破產通常會導致信用評級的急劇下降，而重組的影響則較為溫和。債務重組過程中，信貸評級可能受到影響，而在清還貸款前，欠債人不能再借貸或申請信用卡。

An IVA functions as a proper alternative to bankruptcy, enabling you to achieve an amicable drp是什麼 arrangement using your creditors with no dread of Qualified sanctions remaining 債務重組 taken versus you.

Most within your belongings will not be influenced by getting an IVA - for example, merchandise you employ in your home.

破產是一種法律程序，當債務人無法償還債務時，便可經法院宣布破產。破產程序可以由債務人自行提交或由債權人提出申請。香港原訟法庭在接到破產申請後，會判決是否頒布破產令。

除不能擁有信用卡，對於日常生活的影響不大，亦可考慮申請與存款戶口連結的消費卡（扣帳卡）。

They may then arrange a creditors�?Conference. At this Assembly, creditors will vote on irrespective of whether to simply accept the proposal. For it being approved, creditors holding over seventy five% in the debts you owe must agree to it.

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