如果成功申請債務重組，便可以按照個人的還款能力，與債主重新商議還債安排，同時避開破產，保留專業資格，以免對工作、信貸紀錄及個人聲譽帶來深遠影響。

In the event your creditors comply with the IVA, when it is set up, you will make a month-to-month payment in your insolvency practitioner, who'll then pay the agreed amount of money to every 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：

But you'll find stuff you can do to transform your problem. Producing repayments promptly and being very well inside credit history boundaries should help to indicate which you can borrow responsibly. With time, this could make you seem like much less of the risk to prospective lenders.

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

We help hundreds of shoppers every month toward an improved street ahead. If you’re searching for vehicle finance having an IVA, we may also help.

破產是一種法律程序，當債務人無法償還債務時，便可經法院宣布破產。破產程序可以由債務人自行提交或由債權人提出申請。香港原訟法庭在接到破產申請後，會判決是否頒布破產令。

Due to the fact an IVA is created for one particular individual, it might not be 債務舒緩成功率 The easiest way to repay joint credit card debt. It is because, even if 債務舒緩債務重組分別 you are within an IVA in your financial debt, your spouse will still be to blame for repaying the financial debt.

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

Even so, an IVA can be versatile depending on your requirements and instances. By way of example, in the event you don’t have Significantly spare money from the monthly profits but do have some thing you can sell to raise a lump sum, you could be able to shell out your creditors While using the lump sum.

在多年的經驗中，我們理解到，債務人在背負沉重債務而走投無路的情況下，走上重整債務的道路。很多時候，沉重的債務已經令債務人喘不過氣來，再進行債務重組的時候，債務人也會擔心債務重組費用，其所費不斐的手續費與聆訊費，對已經有負債的人來說，可謂雪上加霜。如果債務人直接找會計師樓幫忙，需要一次過繳交所有債務重組的收費，這樣的債務重組價錢，未必個個都負擔得起，到時候真的「做又死唔做又死」。有見及此，本公司以節省利息的百分比來收費，而且債務人在申請時不需要立即繳交債務重組費用。本公司提供分期付款，方便債務人，與債務人共渡時艱。

IVA means ‘Person Voluntary Arrangement�? It’s a formal personal debt Remedy that helps you mix and repay a variety of debts in a single month to month payment. You’ll make a 債務舒緩債務重組分別 authorized agreement to repay part or your whole debts on your creditors in an affordable way.

破產並不意味完全無需還款。破產期間，破產人每月收入中，須留出部分，用於還款。

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。