債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下：

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。

IVA means ‘Person Voluntary Arrangement�? It’s a formal credit card debt Resolution that helps you combine and repay numerous debts in one regular monthly payment. You’ll produce a lawful arrangement to repay part or all your debts to your creditors in An inexpensive way.

When you have the funds to repay your debts, choice personal debt repayment possibilities may very well be value taking into consideration very first.

To receive an IVA, you will require some spare money each month to pay for your creditors. The amount desired may differ based upon your IVA, the amount of creditors you may have, and exactly how much financial debt you have. Your insolvency practitioner can discuss this along with you.

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。

You could count on it to choose about six months to setup an IVA. This is dependent upon how complicated your scenario is, how immediately you deliver the required proof towards your insolvency practitioner, and no matter whether any creditors desire to change the terms on the proposed strategy. This iva is certainly according to the Personal debt Information Basis.

For the reason that an 債務重組 IVA is designed for 1 particular person, it might not be The easiest method to repay joint debt. This is due to, Even though you are in an IVA for your credit card debt, your husband or wife will even now be liable for repaying the debt.

一按即到相關段落：債務重組邊間好？｜債務重組定義｜債務重組收費｜債務重組流程｜債務重組以外選擇

If you choose to get an IVA, you'll workout a repayment prepare Along with the insolvency practitioner. This may be every month payments, a lump sum or a combination of the two.

If you discover out that you're thanks some money thanks to something which transpired ahead of the IVA, your creditors might have the appropriate to claim it far too - even though your IVA has finished.

欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期

欠債人須向法庭申請債務重組，與債主重新制訂一個雙方都可接納的還款方案

You received’t commonly be predicted to borrow in opposition to your house if The brand new financial loan would lengthen 債務舒緩邊間好 beyond the prevailing bank loan phrase or further than your point out retirement age.