You should keep into a budget agreed using your provider. The IVA is often extended in case you skip payments. You almost certainly do not need to sell your house, but maybe you have to launch equity from it by remortgaging.

Your insolvency practitioner - a certified law firm or accountant, will recommend you on what payments to help make. You should only agree to payments you think you could manage.

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Should you enter into an IVA, it received’t show up on your own lover’s credit rating report and gained’t have an impact on their credit rating rating Unless of course you and your companion are financially related. You’ll only be economically linked should you’ve taken out joint credit score, such as a mortgage or joint motor vehicle finance settlement.

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。

Your creditors will however be capable of retain inquiring you for money, for instance by calling you and sending you letters.

Discover an insolvency practitioner: Examine when they’re registered Using the Insolvency Practitioners Affiliation, and whenever they’re Section of a financial debt guidance organisation, see Should they be regulated from the FCA. You could possibly also make use of the Insolvency Practitioner Listing to locate anyone appropriate.

Lenders are hesitant to approve applications from higher-danger iva borrowers, which can lead to an software remaining turned down or charged bigger fascination. An IVA stays on the credit rating file for six many years from the day that your IVA was agreed.

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申請是否成功取決以下條件，包括欠債人的工作穩定性，是否保證有一定的還款能力；是否擁有公積金或自資物業；還款誠意；還款年期長度，以及是否需要保留專業資格等。

債務舒緩做法跟債務重組類似，但兩者的分別便在於債務舒緩毋須經過任何法律程序，而是由欠款人及債主自行磋商新的還款方案。如債務來自多間家銀行，最大債主會主導債務舒緩方案，與其他銀行定商議如何分配欠款人的每月還款額，不少銀行設專屬部門處理債務舒緩程序。不過，若欠款人無法與債主們達成共識，最終很可能交予法院處理，即上文提到的債務重組計劃方案。

Don't forget, this 債務舒緩債務重組分別 could vary based on your circumstances and what is taken into account An important Price. It’s also worth noting that In the iva event your cash flow adjustments or you receive a windfall through your IVA, your insolvency practitioner will assessment this and may choose far more of the money to pay for your creditors.

In any scenario, all options need to be explored completely and great care need to be taken just before selecting on the study course of action to just take due to the inflexible mother nature of an IVA along with the implications This could certainly have.

自僱人士當然可以辦理債務重組申請，只要能夠提供合理的入息證明，也符合辦理債務重組的基本要求。