Not known Details About 債務重組 - 【debts.ctr.hk】

Not known Details About 債務重組 - 【debts.ctr.hk】

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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。

破產是一種法律程序，當債務人無法償還債務時，便可經法院宣布破產。破產程序可以由債務人自行提交或由債權人提出申請。香港原訟法庭在接到破產申請後，會判決是否頒布破產令。

除不能擁有信用卡，對於日常生活的影響不大，亦可考慮申請與存款戶口連結的消費卡（扣帳卡）。

自僱人士當然可以辦理債務重組申請，只要能夠提供合理的入息證明，也符合辦理債務重組的基本要求。

Your skilled insolvency qualified will also create a report for your court, which includes their ideas on if the proposal is likely to be successful.

持不反對申請證明到高等法院登記處，取得誓章表格。如果需要英文版本的破產解除證明書，則需使用英文誓章進行申請；

日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。

Banking limitations: You might only be allowed to make use of a primary checking account throughout the IVA to stop borrowing by means of an overdraft.

You may pay off your credit card debt: Your debt is going to be cleared in full after your IVA time period involves an conclusion, even when the debt has not been paid out in comprehensive.

Nevertheless, In case you have a change of situations Which means your profits cuts down, your payments into the arrangement could go down, so that you can nevertheless manage to pay your typical outgoings. Therefore, you might produce-off extra 債務舒緩債務重組分別 personal debt than first thought.

If it’s probably you are going to obtain an inheritance or significant bonus or reward within the upcoming 5 several years, you need to think twice drp about whether or not an IVA is suited to you.

If you have a lump sum as Portion iva of a personal pension, you might must comply with shell out this into your IVA.

不需要。我們只有一次性的債務重組收費，客戶並不需要事前繳交任何款項。

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