Getting permitted for credit history could be more challenging after an IVA. While you can however be authorized for things like automobile finance after an IVA, you will be available a higher curiosity amount.

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。

本公司所承諾的「不成功不收費」亦希望能為債務人打一支強心針，希望債務人知道，方法永遠都在，只要面對，沒有解決不了的難關。

破產者在破產期間，不得擔任公司董事或參與業務管理，亦不得從事部分行業和職業：

Higher worth objects just like a ‘residence�? ‘land�?or even a ‘auto�?are referred to as property and might be included in your IVA. This means you will provide them and use The cash to pay for the creditors. You don’t require to own any particular property to acquire an IVA.

Over the IVA, your creditors should really quit charging curiosity or chasing you for your personal debts. Any money which you owe following the agreed period of time will be composed off.

You are able to pay back your credit card debt: Your credit card debt will be cleared in whole when your IVA expression comes to an stop, even if the drp credit card debt hasn't been paid in total.

An IVA typically lasts for 5 years, but it may be extended to 6 years When you are a homeowner. This is due to you might require to remortgage Should you have equity in your home or make extra payments if You can not remortgage.

申請是否成功取決以下條件，包括欠債人的工作穩定性，是否保證有一定的還款能力；是否擁有公積金或自資物業；還款誠意；還款年期長度，以及是否需要保留專業資格等。

While it isn’t difficult to go a credit score Look at even though in an IVA, it will eventually keep on your credit rating file for six years with the date it had been authorized, which often can have an effect on your ability to get credit rating.

IVA means ‘Personal Voluntary Arrangement�? It’s a proper credit card debt Answer that assists you combine and repay many alternative debts in one monthly payment. You’ll produce a legal settlement to pay off aspect or all your debts towards your 債務重組邊間好 creditors in A cost-effective way.

Although we will’t suggest on the ideal Alternative available, we’ve teamed up with PayPlan, who provide free of charge credit card debt enable and information.

If you get a windfall for the duration of your IVA, for example an inheritance, this iva will often be taken and paid out in your creditors.