選擇所需服務：「破產案，個人自願安排個案及強制性清盤案紀錄個別查冊」。

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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。

Any belongings that you might want to help keep, for instance a car, should be excluded through the IVA. If you don't want to include an asset along with the insolvency practitioner doesn't Believe your creditors will comply with exclude it, your insolvency practitioner won't send the proposal to your creditors.

But how does an IVA affect you? You may be worried about how it impacts your credit score score and talent to receive authorised for such things as auto finance. Our guide explores what an IVA is, how it works, and answers your frequent concerns.

You can decide to profit some of your pension to lift a lump sum for an IVA. On the other hand, this would depart you with considerably less funds to continue to exist once you retire.

The three dots to the proper of each title will Enable you to both set up the motorists or lookup the version on-line to do far more analysis. DriverPack will make a restoration position prior to the installation begins.

After that, they’ll compose an IVA drp proposal to your creditors and the court. The proposal will contain:

You may make sure that you happen to be viewing most of the applicable choices by toggling the ‘Look at mounted and option drivers�?and ‘Check out more information and facts�?switches to the proper inside the ‘Drivers�?tab.

It is possible 債務舒緩債務重組分別 to securely down load and put in the original Edition on your own 債務舒緩債務重組分別 Computer system, Even though the modified editions will not be formally safe.

If your payments you make aren’t enough to pay your debts in complete by the tip of the IVA, you received’t really have to fork out the rest.

簡而言之，債務重組是一種更為溫和且可持續的解決方案，尤其對於那些仍希望與債權人保持良好關係的個人或企業而言。相比之下，破產雖然可以給予重新開始的機會，但往往伴隨著更為嚴重和持久的負面影響。

If it’s probably you're going to acquire an inheritance or significant reward or present within the subsequent 5 decades, you'll want to think twice about no matter whether an IVA is ideal for you.

Observe: The file you down load is a .torrent file that you could use with any torrent consumer (qBitTorrent, Deluge, or Tixati) to download the whole file that is a small more than 37 GB.