致力為客戶提供優質服務，我們非常重視與每一位客戶直接溝通的機會，並會認真管理客戶回饋的寶貴意見

When you personal your house, its benefit are going to be taken under consideration as aspect of your IVA. You’ll have to obtain a valuation of your private home to Learn the way Considerably equity is in it. Fairness is the money you would make with the sale of a property just after any mortgages are paid out off.

簡而言之，債務重組是一種更為溫和且可持續的解決方案，尤其對於那些仍希望與債權人保持良好關係的個人或企業而言。相比之下，破產雖然可以給予重新開始的機會，但往往伴隨著更為嚴重和持久的負面影響。

最佳信用卡 熱門信用�?現金回贈信用�?飛行里數信用�?海外簽賬／旅行信用卡 迎新優惠信用�?網購信用�?免年費信用卡 銀聯信用卡 學生信用�?餐飲信用�?電子錢包信用�?公司信用�?八達通自動增值信用卡

All through your IVA, furnishing you make the agreed payments, creditors won't charge curiosity or charges with your debts. They’ll also end chasing you to pay.

DriverPack Offline for Computer system is an extensive software program which contains an unlimited selection of motorists for various iva是什麼 hardware devices. It permits you to set up and update motorists on your own Laptop or computer offline.

Many creditors have signed around something called the IVA protocol. What this means is they’re expected to simply accept a proposal that has been prepared in 債務舒緩成功率 line with the protocol with no requesting needless variations.

Any number of debts is often 債務舒緩成功率 integrated but Generally an IVA will be appropriate When you've got multiple creditor.

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；

服務費當中包括為客戶擬定新的還款書、與不同或最大債權人協商、一切的文書準備及跟進工作。

保留財產：欠債人在債務重組期間，能夠保留財產，包括房地產和銀行帳戶，有助於保持經濟穩定。

Should you’re around fifty five and have a 'described contribution pension', you could potentially profit several of your pension to raise a lump sum for an IVA. Nevertheless, this would leave you with significantly less dollars to live on in retirement.

An IVA could enable you to produce off a great deal of your unsecured credit card debt. The precise figure is dependent upon the amount spare dollars you have got at the conclusion of each month.

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。