iva是什�?- An Overview - 【ivano1.com】

iva是什�?- An Overview - 【ivano1.com】

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Any quantity of debts is usually involved but Typically an IVA are going to be acceptable In case you have multiple creditor.

的確，為了追回欠款，銀行在特定情況下會要求欠款人變賣手上物業，以抵償一部份欠款，然而，針對大部份負資產人仕、手上物業需補地價之業主，並不在受影響範圍內。

An IVA is set up and managed by an insolvency practitioner. They figure out your repayment system, that can involve facts regarding how A great deal you’ll pay back on a monthly basis and how long the strategy will final.

Any property that you want to maintain, such as a car or truck, must be excluded through the IVA. If you don't need to include an asset along with the insolvency practitioner doesn't Feel your creditors will comply with exclude it, your insolvency practitioner would not send out the proposal to your creditors.

Any individual with a significant unsecured debt difficulty can submit an application for an IVA, but They can be especially practical 債務重組收費 to folks who own property, mainly because an IVA features a possibility to try and defend belongings which might be usually susceptible in 債務舒緩收費 personal bankruptcy.

服務費當中包括為客戶擬定新的還款書、與不同或最大債權人協商、一切的文書準備及跟進工作。

申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

If you're worried about the effects of an IVA on your own occupation, Test the terms and conditions of your respective contract. Check out if it suggests anything at all about continuing to operate If you have an IVA.

由於牽涉到大量行政工作，申請亦需時，申請人如果能夠選擇一間負責任、有專業經驗的代理代為處理申請非常重要。至於申請計劃人仕的僱主是否會被通知，針對大部份職業而言，其僱主是不會知曉的，但對於某些行業，如銀行從業員便需通知金管局、上司，警務人員亦需主動向上級申報等。

Deliver the required information and facts: You’ll share your latest circumstances together 債務舒緩債務重組分別 with your insolvency practitioner. This consists of proof within your money and charges, for example payslips, Gains letters, or financial institution statements. This aids them comprehend your condition and draft an IVA proposal.

It might also suggest your creditors get use of the remainder of your pension pot. You should get suggestions from an impartial economical adviser in advance of utilizing your pension to repay debts.

能夠徹底解決債務問題是讓人振奮的事情。我們需要提醒申請人，要讓申請儘快批核除了要委託信譽良好的代理公司外，亦需要申請人符合債務重組條件，同時提供足夠文件資料，並如實披露自己的收入與資產狀況，我們將盡力協助申請人的個案儘快獲得批核。

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An IVA includes a ‘windfall clause�? If you receive a windfall (a sum of money), it's essential to report it and may have to help make extra payments on the IVA.