Based upon scores specified in the final 12 months by consumers helped with DMP and equity release. Clientele polled a few months into their Answer.

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；

除了銀行會有債務舒緩部之外，有很多財務公司也有推出各自的債務重組貸款產品。若然欠債人信貸報告內的信貸評級不足以申請傳統銀行戓「一線財務公司」的債務重組方案，便會將目光轉移在「二線」財務公司。然而，二線財務公司的債務重組方案的利息往往會較高，還款期亦較短；更不時會傳出僱用不當收數公司追數的消息。因此在借貸前，必需好好比較不同財務公司的貸款條款、實際年利率、還款年期等，以衡量自己的還款能力是否適合該產品，以免日後發生問題。因為無論是「一線」還是「二線」財務公司；一旦債務人無法遵守新的還款協議，便有可能面臨法律起訴，或被債權人提出破產申請等嚴重的後果。

An IVA, or Specific Voluntary Arrangement to present it its complete title, is a proper personal debt solution for individuals with a significant unsecured personal debt trouble, who want or will need in order to avoid staying declared bankrupt by their creditors.

個人自願安排實行後，債務人需要按時間向代名人還款，再由代名人安排還款予債權人。

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。

A great deal of creditors have signed as many as a little something known as the IVA protocol. What this means is they’re predicted to just accept a proposal which has been created in step with the protocol without having asking for avoidable modifications.

Your SMI 債務舒緩 payments could possibly cease and You may have to 債務舒緩成功率 pay for back again any SMI you've had considering that 6 April 2018. An IVA might not be best for your needs.

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

With most IVAs There's a Restrict on the quantity you’ll be expected to boost. The limit relies on the value of your own home and the amount of the mortgage you have already got.

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。

債務重組是一種透過法律途徑處理大量欠款的策略，進行此項程序前需要留意一些準備步驟和重要事宜。

If you don’t know how much your debts are, you could Learn the way to collect information about your debts.

It prevents your credit card debt from expanding: As soon as an IVA is agreed, your creditors can’t insert desire, late charges or other fees 債務重組收費 into the financial debt, which stops it from rising.