影響信貸評級：破產通常會導致信用評級的急劇下降，而重組的影響則較為溫和。債務重組過程中，信貸評級可能受到影響，而在清還貸款前，欠債人不能再借貸或申請信用卡。

電子錢包攻略家庭開支 家用／水電煤／寬頻入油【信用卡交租】信用卡交租賺現金回贈比較與教學

Most non-priority debts can be A part of somebody voluntary arrangement. A credit card debt is classed as both precedence or non-precedence according to how critical the consequences are if you don’t pay back. 

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

You may uncover it hard to get credit history for six many years just after your IVA starts off. You could continue to have the ability to get credit rating for household merchandise and solutions - one example is, a fridge or car insurance policy.

Your creditors will nonetheless be capable of hold inquiring you for money, for instance by calling you and sending you letters.

Throughout the IVA, your creditors need to stop charging curiosity or chasing you on your debts. Any money that you owe once the agreed period is going to be written off.

An IVA provides a formal structure to let you make repayments to your creditors determined by affordability rather than on the former contractual arrangements. You comply with pay your creditors up to you could pay for all over 債務重組收費 the time period on the IVA but no extra, whilst, consequently, they concur to simply accept your payments rather than 債務重組破產分別 forcing you in to personal bankruptcy and guarantee to lawfully 'generate-off' any cash even now out standing at the conclusion of your arrangement if you efficiently reach the conclude with the IVA time period.

借得la是一家來自新加坡的網上貸款配對平台，免費為個人及企業用戶在香港尋找最合適的貸款方案。只需數分鐘時間在網上填寫申請，用戶即可接收不同銀行和財務公司所發出的貸款安排及優惠以作比較。

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An IVA generally lasts for 5 yrs, but it could be extended to 6 yrs if you are a homeowner. It is because you may have to remortgage When you've got equity in your home or make more payments if You can not remortgage.

影響信貸評級：債務重組期間，透過自願還款可以改善信貸評級。有助於在債務重組完成後更容易獲得貸款或信用卡。

In any case, all solutions need to be explored thoroughly and excellent treatment really should be taken ahead of choosing on a study course of action to acquire as a result of inflexible nature of an IVA and the implications This tends to have.

A set-up cost: This is actually the drp cost of arranging your IVA. Sometimes identified as a nominee payment, this may should be accredited by your creditors