首先，欠債人需要制定一個清晰明確的月度預算，並在預算中預留足夠的金額來支付債務。其次，將所有的收入和支出記錄下來，以便掌握自己的財務狀況。這樣就能確保自己的支出總是在預算範圍內，並且能按時完成債務的還款。最後，避免延遲支付，因為這可能導致你需要支付額外的利息或費用。

Additionally they work as an intermediary involving you and your creditors. Only 75% of your creditors should agree to the repayment prepare to the IVA to commence.

香港有不同的債務重組公司，每間公司所提供的服務內容以至收費均有不同。欠債人亦先了解不同公司的計劃，以作出最後決定。

Getting an IVA will negatively have an effect on your credit history rating. That’s due to the fact an IVA displays that you simply’ve experienced problem maintaining with repayments before.

If you start to take money from your pension pot As you provide the IVA, this tends to depend as revenue and you might have to pay for it to the IVA. Your insolvency practitioner will advise you on this.

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。

現在只要上網搜尋債務整合，就會出現一系列提供服務的公司，容易讓客戶出現到底債務重組邊間好的疑惑。我們建議客戶只可委託正當合法，收取合理手續費的公司代為申請任何計劃。一些聲稱能夠幫助客戶解決債務問題的公司，其手法是讓客戶借更多的錢來「解決」原有債務，手法惡劣。要避免陷入更大的債務麻煩，客戶在選擇代理公司時，請釐清收費準則，及留意相關條款，免墮陷阱。

*合資格客戶須於提取貸款後至大新銀行存入現金回贈當日，仍然持有有效之貸款戶口、還款戶口及相關大新儲蓄或往來戶口，並一直維持良好之還款記錄及正常運作。

Your IVA will be authorized on the Assembly of creditors in case you comply with the iva是什麼 modifications. Do the individuals I owe must comply with 債務重組收費 the IVA?

If you’re continue to shelling out dollars into your own pension, You may have to stop paying into your pension and use The cash to pay your creditors As you provide the IVA. It would be feasible to carry on spending into your pension if there is certainly an essential reason. Check with your insolvency practitioner.

No matter if an IVA is acceptable depends on simply how much financial debt you might have and the amount of creditors you've got (a creditor is a person you owe income to).

Credit card debt 債務重組收費 management organizations are organisations that provide to help you manage your debts. You could see their adverts online or they may make an effort to Get in touch with you directly.

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。

選擇「破產案查冊」，「個人自願安排個案查冊」，「破產案及個人自願安排個案查冊」或「強制性清盤案查冊」。