For anyone who is thinking about employing a credit card debt management company, check exactly how much they're going to charge prior to deciding to make a decision.

You’ll make your payments towards the insolvency practitioner. They’ll continue to keep a number of this to pay their charges and split The remainder among your creditors.

A debt administration organization is likely to be dearer given that they demand a cost on top of the insolvency practitioner's charges.

Some insolvency practitioners may provide you with a free of charge or minimized price initial meeting to speak about no matter if an IVA is suitable for you. Request all around to view who presents this provider.

They can then set up a creditors�?meeting. At this Assembly, creditors will vote on whether or not to simply accept the proposal. For it to generally be approved, creditors holding about seventy five% of your debts you owe really need to comply with it.

債務重組常見問題

其他人士作出的任何言行及商業活動，與本協會無關，任何有關此等的投訴，引致損失，本協會亦不會處理，敬請見諒。

體諒到欠款人的困境，大部份債權人在收到欠款重新整合建議書之後都會停止催繳，直至債權人會議表決過後，新的還款方案落實了，欠款人方需要重新開始清繳新的商議欠款額。

債務人在申請時不需要立即繳交債務重組費用，本公司更提供分期付款，方便債務人，與您共渡時艱。

最新港元定期存款利�?最新美元定期存款利�?最新人民幣定期存款利率 活期存款:最新活期存款利率比較及分析 零存整付:最新銀行低風險月供存款利息比較 銀行開戶口 優惠比較 香港開大陸戶口教�?戶口最低存款額一覽

Lenders are reluctant to approve applications iva from higher-danger borrowers, which can produce an software getting turned down or charged higher desire. An IVA stays with your credit file for 6 yrs through the date that the IVA was agreed.

Credit rating hurt: Your credit rating will likely be 債務舒緩收費 broken significantly by an IVA, that may ensure it is very tricky to just take out a home loan, financial loan or 債務舒緩收費 credit card. IVAs keep in your credit rating file for 6 many years.

任何方案皆有正反兩面，包括債務重組。申請者應先了解方案的好處、壞處及後果，繼而根據自身情況作出適合的決定。

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