The smart Trick of drp That No One is Discussing - 【hkdrp.top】

The smart Trick of drp That No One is Discussing - 【hkdrp.top】

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職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份銀行、金融業的從事人士需通報公司破產紀錄，或有機會影響職途。債務重組對職業的影響相對上較少，一般無需通報公司。

Most within your belongings won't be afflicted by possessing an IVA - by way of example, things you use in your home.

Because an IVA is suitable for one particular person, it may not be The obvious way to repay joint financial debt. This is due to, Even though you are within an IVA to your personal debt, your associate will still be to blame for repaying the financial debt.

In case you have cost savings, you always have to incorporate these inside your IVA, both by 債務舒緩債務重組分別 shelling out your creditors a lump sum or 債務舒緩成功率 utilizing the cash to generate every month repayments.

If it’s probably you are going to receive an inheritance or big bonus or gift inside the subsequent five several years, it is best to think carefully about no matter whether an IVA is suited to you.

債權人收到債務重組申請通知書時，或會體諒債務人的困難而願意暫停追討，直至商議好新的還款建議後才重新償還債務。

Failing to maintain up using your IVA payments may perhaps cause your IVA falling into arrears, which could lead on to it getting terminated.

紀錄在案：債務重組紀錄與破產個案一樣會登記在破產管理署的名冊上，公眾可隨時查閱，但相對於破產，債務重組影響通常較小。

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。

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。

此外，欠債人於申請過程中所花的雜費，如影印費、刊登法律通告費、郵遞及車馬費等，則屬實報實銷。最後，欠債人亦須支付法庭收費，此乃劃一收費。

The insolvency practitioner will overview your circumstance annually Whilst you’re on an IVA. 債務舒緩收費 If your money improvements, your IVA payments could change. As an example, if you have a pay back increase at function you’ll be anticipated to pay for far more into your IVA.

就業限制：不能從事特定職業，如律師、保險、地產和證券商或有限公司董事；

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。