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。

債務重組和破產是處理財務困境的兩種不同方法。債務重組是債務人與債權人協商修改還款條件，例如延長還款期限、減少債務總額等，以便債務人有能力按新條件償還債務。破產則是經法院程序，由破產管理署署長或受託人管理債務人財產，以償還債權人債務。

Credit score destruction: Your credit history rating is going to be destroyed appreciably by an IVA, that may help it become particularly challenging to acquire out a property finance loan, mortgage or charge card. IVAs keep with your credit file for six decades.

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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

日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。

Obtain an insolvency practitioner: Test when they’re registered with the Insolvency Practitioners Affiliation, and when they’re Element of a credit card debt guidance organisation, see If they're regulated via the FCA. You could potentially also utilize the Insolvency Practitioner directory to find anyone ideal.

面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

If you owe revenue to HM Revenue and Customs If most 債務舒緩債務重組分別 of the debts are for things like money tax, nationwide insurance coverage arrears or overpaid tax credits, an IVA might not be the right option for you.

而兩者另一個重要之別是，債務重組申請人只需留起每月薪金的一部分作還款之用，餘額可自由使用；破產申請者的生活卻需被破產官監察，入息在扣除基本生活費後，餘額需由破產官安排作還債之用。

Whilst it isn’t not possible to move 債務舒緩債務重組分別 a credit Look at even though in an IVA, it will continue to be 債務重組收費 with your credit file for 6 many years from the day it was approved, that may affect your ability to get credit.

Bear in mind, this can differ dependant upon your situation and what is taken into account An important Price. It’s also worth noting that if your revenue adjustments or you receive a windfall all through your IVA, your insolvency practitioner will critique this and will consider extra of The cash to pay for your creditors.

選擇所需服務：「破產案，個人自願安排個案及強制性清盤案紀錄個別查冊」。

只要申請人的信貸評級不算太差，一般都會獲批。如申請人的信貸評級未如理想，所批出的利息一般會較高