An IVA will have an effect on your credit score score since it will be recorded on the credit rating file for six a long time from your day it truly is agreed.

請按‘檢視查冊結果’，便可讀到查冊報告。如果需要列印本，可以把報告列印出來。

Most non-precedence debts could be A part of someone voluntary arrangement. A credit card debt is classed as both priority or non-precedence based upon how severe the results are in the event you don’t pay. 

然後代名人會向法庭提交報告，詳細交代欠債人的資產及負債狀況，並召開債權人會議，與債主商討及重新制定新的還款方案

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。

Precedence debts are certainly not included in an IVA. They count towards your monthly home bills as an alternative. Priority debts include:

i also verify that your business has reminded me you could notify your company Anytime to ask for that you just quit delivering me with suitable direct advertising products.

Your qualified insolvency pro will then set with each other a 債務重組 proposal to choose on your creditors. Delivering your creditors accept your proposal, you’ll get started making every month payments in direction of your debt. The corporation controlling your IVA will divide those payments between your creditors.

借得la是一家來自新加坡的網上貸款配對平台，免費為個人及企業用戶在香港尋找最合適的貸款方案。只需數分鐘時間在網上填寫申請，用戶即可接收不同銀行和財務公司所發出的貸款安排及優惠以作比較。

“The explanation my credit score rating was a lot less than excellent was that I experienced Formerly been in an IVA. My credit history rating was truly on its way again up Once i took out my car finance. I might Certainly advise Moneybarn�?�?Kelly.

When it isn’t extremely hard to pass a credit history Look at while within an IVA, it'll continue to be with your credit file for 6 years from the date it absolutely was 債務舒緩成功率 permitted, which may influence your capacity to get credit.

Remember, this can vary based on your circumstances and what is taken into account An important Price. It’s also really worth noting that if your earnings changes or you get a windfall during your IVA, your insolvency practitioner will evaluate this and iva是什麼 will take extra of The cash to pay your creditors.

債務整合過程比其他財務舒緩方案簡單，皆因它不涉及法庭程序，無須欠債方請律師申請臨時債務整合令，也無須委任代名人代擬還款報告，所以沒有法庭費用、報章通告費、代名人費及代名人行政費等額外收費，所以債務重組收費相對低廉，視乎每位顧客的還款年期及欠債金額。

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」。