The Definitive Guide to 債務舒緩債務重組分別 - 【drphk.top】
The Definitive Guide to 債務舒緩債務重組分別 - 【drphk.top】
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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。
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債務重組與破產的最大分別，在於債務重組的申請者並不會有破產身分及紀錄。申請人毋須通知現職僱主、可出任公司管理層、可經營生意、可保留原有物業及銀行賬戶等等，對其工作、資產、個人名聲均較少影響。
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選擇「破產案查冊」，「個人自願安排個案查冊」，「破產案及個人自願安排個案查冊」或「強制性清盤案查冊」。
Banking limitations: You can only be allowed to use a standard banking account throughout the IVA to stop borrowing through an overdraft.
財產歸屬破產案受託人：破產人的所有財產（包括家庭居所）歸屬破產案受託人，直至破產產業管理完結。解除破產並不等同受託人已完成產業管理；
Your certified insolvency iva specialist will then set collectively a proposal to just take to the creditors. Supplying your creditors take your proposal, you’ll start producing regular monthly payments toward your credit 債務舒緩邊間好 card debt. The organization managing your IVA will divide All those payments concerning 債務舒緩收費 your creditors.
而兩者另一個重要之別是，債務重組申請人只需留起每月薪金的一部分作還款之用，餘額可自由使用；破產申請者的生活卻需被破產官監察，入息在扣除基本生活費後，餘額需由破產官安排作還債之用。
申請者不但不需要付額外債務重組收費，而且本公司盡所能，為您組織完善計劃書，節省最多，慳得最多。讓您可以好好擺脫債務，重新做人。
You’re prone to discover it tricky to borrow for the duration of that time. When your IVA finishes, your credit history report will likely be up-to-date to replicate this.
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