The Definitive Guide to iva - 【ivahk.top】

The Definitive Guide to iva - 【ivahk.top】

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The repayment strategy must be dependant on an quantity it is possible to afford to pay for and your creditors will require to agree it. If you make month-to-month payments the IVA will usually past for five or six yrs.

請按‘檢視查冊結果’，便可讀到查冊報告。如果需要列印本，可以把報告列印出來。

Getting a done IVA in your file may possibly continue to make it more challenging that you should borrow for some time, as potential lenders will see which you’ve experienced hassle creating repayments prior to now.

Getting an IVA will negatively affect your credit history score. That’s simply because an IVA reveals you’ve had difficulty maintaining with repayments prior to now.

紀錄在案：債務重組紀錄與破產個案一樣會登記在破產管理署的名冊上，公眾可隨時查閱，但相對於破產，債務重組影響通常較小。

我們提供不同的計劃方案協助債務人解決債務問題，不同的計劃方案需要符合不同的債務重組條件。如果您不肯定自己的債務問題能夠對應哪個計劃，請參考我們的網頁，或與我們的專員聯絡，我們將為您提供初步免費諮詢，找到解決債務的方向。

Lots of creditors have signed as much as one thing called the IVA protocol. This means they’re expected to accept a proposal which has been composed in keeping with the protocol without having asking for unnecessary variations.

自僱的身分並不會限制申請人申請任何欠款重新整合方案。只要可以提供所需的文件，如合理的入息證明及其他必申報文件，也能夠辦理申請。

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。

Having said that, an IVA may be versatile depending on your requirements and situation. For example, in case you don’t have A great deal spare cash from the every month earnings but do have one thing 債務舒緩邊間好 you may sell to raise a lump sum, you may be capable to pay back your creditors with the lump sum.

It might also mean your creditors get access to the remainder of your pension pot. You should 債務舒緩邊間好 get advice from an unbiased economical adviser right before utilizing your pension to repay 債務舒緩 debts.

影響信貸評級：債務重組期間，透過自願還款可以改善信貸評級。有助於在債務重組完成後更容易獲得貸款或信用卡。

Pension risk: If you receive income from a personal pension, you may have to pay for some of it toward the IVA.

不少人都問：債務舒緩或重組邊間好？其實，市面上有不同的公司或機構提供處理債務的服務，當中不乏一些專業人士或機構，但他們未必能夠多角度和多方面地照顧到債務人的需要，只能夠單方面處理財務上的問題，例如一些律師會建議債務人申請破產，但卻忽略了會帶來的嚴重影響。最後債務問題解決了，但未必能舒緩其他因債務問題而引致的生活上各種問題。