Your insolvency practitioner - a certified law firm or accountant, will recommend you on what payments to help make. You must only comply with payments you're thinking that you could afford to pay for.

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You might have a lump sum of money, for instance cash left to you in a will. This is likely to be A part of the IVA. What this means is you’ll should use this income to generate your regular payments to the creditors.

一般而言，欠債人須向委託之會計師及律師支付其專業服務的費用，該費用因人而異，多以負債金額、債權人數目、物業數目等不同因素而定。

I hereby accept that I've study and approved to be bounded by many of the stipulations of K Cash's application conditions, privateness policy and 債務重組破產分別 personal details collection statement

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。

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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。

Debt management providers are organisations that supply to help you 債務重組邊間好 cope with your debts. You could see their adverts on the web or they may try and Speak to you directly.

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

If you are worried about the influence of the IVA in your position, Look at the conditions and terms of the deal. Check if it states something about continuing to work when you have an IVA.

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You’re likely to come across it tough to borrow throughout that point. When your IVA ends, your credit history report might be up to date to mirror this.