職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份銀行、金融業的從事人士需通報公司破產紀錄，或有機會影響職途。債務重組對職業的影響相對上較少，一般無需通報公司。

Your insolvency practitioner - a certified law firm or accountant, will recommend you on what payments to make. You ought to only agree to payments you think that you could find the money for.

一般銀行只要求債務人變賣可套現資產物業，以減輕欠債額。現時大部份負資產人士及需補地價之業主，其物業都不會受影響。

網上申請特快服務承諾：於任何辦公日中午前遞交網上申請，將有專人於當日跟進

免責聲明：本專頁刊載的所有投資分析技巧，只可作參考用途。市場瞬息萬變，讀者在作出投資決定前理應審慎，並主動掌握市場最新狀況。若不幸招致任何損失，概與本刊及相關作者無關。而本集團旗下網站或社交平台的網誌內容及觀點，僅屬筆者個人意見，與新傳媒立場無關。本集團旗下網站對因上述人士張貼之資訊內容所帶來之損失或損害概不負責。

如欠債額較低，欠債人較適宜債務舒緩和其他大額清數貸款，不需要經過法律程序和留下紀錄，較適合一些從事敏感行業的人士，如金融業、公務員

At the time your IVA is authorized, you won’t ought to talk to your creditors, and if they Make contact with you, it is possible to refer them on your insolvency practitioner.

Lenders are hesitant to approve programs from superior-chance borrowers, which can bring on an software remaining turned down or charged higher fascination. An IVA stays with your credit rating file for six years within the date that your IVA was agreed.

In the event you owe revenue to HM Profits and Customs If most of the debts are 債務重組破產分別 for such things as earnings tax, countrywide insurance plan arrears or overpaid tax credits, an 債務重組收費 IVA might not be the proper choice for you.

If your payments you make aren’t ample to pay your debts in complete by the top of one's IVA, you received’t should shell out the rest.

An IVA isn’t certain to be recognized by your creditors. If they reject the proposal, you might need to uncover An additional personal debt Remedy.

The end result: If your IVA is recognized, you’ll get a letter confirming it, Will probably be added to the Insolvency Sign up, and you need to keep up With all the every month payments.

Most IVAs Possess a windfall clause. A windfall is income or possessions you get unexpectedly - one 債務重組破產分別 example is:

An IVA includes a ‘windfall clause�? If you receive a windfall (a sum of money), you need to report it and might require to make extra payments with your IVA.