人生路上，總有充滿各式各樣的挑戰與難關。萬一遇上周轉困難，陷入來自銀行及其他財務機構的債務泥沼，無力償還但不想走上破產之路的你，其實還有一個可行方案，助你以一個較低利息及可負擔方式來還清債務，這便是債務重組，或又稱為結餘轉戶方案。

To have an IVA, you ought to have some spare cash flow each month to pay your creditors, ordinarily at the least £100. Your creditors are unlikely to simply accept an IVA In case your payments are under that.

IVA means ‘Personal Voluntary Arrangement�? It’s a formal credit card debt Alternative that can help you mix and repay a variety of debts in one month-to-month payment. You’ll generate a lawful agreement to pay off element or your whole debts in your creditors in An economical way.

If you have the funds to repay your debts, alternate financial debt repayment choices may be worthy of thinking of 1st.

Asset protection: Your creditors gained’t be capable of market assets, including your private home or vehicle, When they are shielded beneath an IVA.

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。

In the IVA, your creditors ought to quit charging interest or chasing you for your personal debts. Any revenue you owe following the agreed period of time will probably be created off.

面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

Also, you will discover Employment that a bankrupt individual would not be lawfully allowed to maintain, such as Performing for the government, within a financial expert services part, or 債務重組 remaining a firm director. Getting within an IVA might not have an affect on your work unless you work in economical or legal services.

In the event you owe funds on your hire, mortgage or secured loans iva You can't typically incorporate secured financial loans, mortgages or rent in an IVA.

　怎樣的重組債務方案才合適自己？聆聽您的實際情況，免費分析您的債務個案，給予最中肯意見。

Debt administration businesses are 債務舒緩成功率 organisations that offer that may help you cope with your debts. You could possibly see their adverts on-line or they could make an effort to Get in touch with you specifically.

由於債務重組是法律程序，故申請成功後對所有債權人及欠款人都具法律約束力，但債務重組記錄會出現在破產署名冊內，公眾可隨時查閱得到。

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