You should preserve to a finances agreed using your company. The IVA can be prolonged should you pass up payments. You most likely do not have to sell your house, but you will have to release equity from it by remortgaging.

In the event your creditors agree to the IVA, as soon as it is about up, you is likely to make a every month payment to your insolvency practitioner, who will then pay out the agreed sum to each of your respective creditors.

是兩種不同的財務處理方式，它們在多個方面有所不同。以下是兩者的主要區別：

網上申請特快服務承諾：於任何辦公日中午前遞交網上申請，將有專人於當日跟進

個人自願安排實行後，債務人需要按時間向代名人還款，再由代名人安排還款予債權人。

不需要。我們只會收取債務重組費用，其餘如初步諮詢、初次會面都是免費的。我們明白債務人在財務上的壓力，因此我們盡可能為客戶提供實質而有用的幫助，協助客戶減省不必要的金錢浪費，讓他們將資源集中在解決債務困難上。

本公司的分析專員經驗豐富，曾處理過為數不少重組債務成功個案，對重組債務程序亦非常熟悉。

Your qualified insolvency pro will then put alongside one another a proposal to choose to your creditors. Delivering your creditors acknowledge your proposal, you’ll get started making every month payments towards your debt. The company running your IVA will divide Individuals payments between your creditors.

債務人在申請時不需要立即繳交債務重組費用，本公司更提供分期付款，方便債務人，與您共渡時艱。

本會一直以來致力協助香港不同人士處理債務問題，減輕債務人和家庭成的債務和心理壓力。債務的出現可以有多種因素，包括家庭經濟壓力、不當的理財方式、不良的嗜好或習慣等。不論你是因為什麼原因而導致債務問題的出現，本會都希望能夠根據你的獨特需要，協助你真正解決問題，讓你可以儘早重過新生活。

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The end result: When your IVA is recognized, you’ll receive a letter confirming 債務重組 it, It's going to be extra towards the Insolvency Sign up, and you will need to sustain Using the 債務重組 monthly payments.

Credit card debt charities: Chatting with debt charities, for example StepChange or Nationwide Debtline, can help you develop a private personal debt management program or discover the finest Option that will help you pay back That which you owe.

Inflexible: When your instances alter and You can't make an IVA payment, maybe you have to declare individual bankruptcy.