破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。

It may additionally necessarily mean your creditors get entry to the remainder of your pension pot. You ought to get advice from an impartial money adviser ahead of using your pension to pay back debts.

If your money goes up while you have an IVA, You need to declare it to your insolvency practitioner. If you don't, you may be breaking the settlement.

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。

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：

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。

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When you owe dollars towards your lender or a corporation linked to them, your financial institution might take funds out of the account to pay for the credit card debt. It’s a good idea to Get the revenue paid into an account at a different bank drp是什麼 prior to your IVA starts. Your insolvency practitioner ought to allow you to using this type of.

會。若欠債人沒有如實申報所持有物業或其他資產，便有機會令債務重組的申請失敗，而且根據香港法例，在申請債務重組時，須委任代名人向其債權人提出償還債務建議，如果所委任的代名人沒有專業資格，亦有機會申請失敗。

Credit 債務重組邊間好 card debt management providers are organisations which offer that may help you handle your debts. You might see their adverts on line or they may endeavor to Get hold of you immediately.

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When you finally’ve confirmed you ought to go forward having an IVA, you’ll ought to go through an experienced insolvency pro. Your financial debt adviser should be able to put you in contact with someone that may also help.

An IVA could help you produce off a large amount of your unsecured credit card debt. The exact figure relies on exactly how much 債務重組收費 spare revenue you may have at the end of every month.

If you can get a lump sum as A part of a personal pension, you could possibly have to agree to pay out this into your IVA.