申請破產條件是什麼？經濟不景，破產成為社會關注議題。本文將分享債務重組與破產分別、申請破產後果壞處、破產限制、申請破產程序、申請破產費用及破產年期。另外，亦會回答一些常見破產提問，例如破產開銀行出糧戶口可以嗎？破產後工作有何限制？破產唔洗還錢？

[ 嚴正聲明 ] 鑑於近日發現有來歷不明人士冒充本協會，藉此聯絡其他人士並進行行騙，本協會認為事態嚴重。

Should you have the funds to repay your debts, different personal debt repayment choices can be truly worth considering first.

Should you have savings, you always have to incorporate these as part of your IVA, both by having to pay your creditors a lump sum or utilizing the money to help make monthly repayments.

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If you can get much more cash flow or possessions for the duration of an IVA Acquiring an IVA may possibly affect any long term profits or property which you get. One example is, if you progress property during an IVA, any revenue you make as cash in on the sale of one's home might need to iva是什麼 become paid in the IVA.

信用卡卡數｜銀行私人貸款｜財務公司貸款｜高息財務貸款｜儲蓄互助社貸款｜學生資助貸款｜稅務貸款｜商業貸款

After that, they’ll create an IVA proposal on your creditors along with the court docket. The proposal will include things like:

不需要。我們只會收取債務重組費用，其餘如初步諮詢、初次會面都是免費的。我們明白債務人在財務上的壓力，因此我們盡可能為客戶提供實質而有用的幫助，協助客戶減省不必要的金錢浪費，讓他們將資源集中在解決債務困難上。

債務整合過程比其他財務舒緩方案簡單，皆因它不涉及法庭程序，無須欠債方請律師申請臨時債務整合令，也無須委任代名人代擬還款報告，所以沒有法庭費用、報章通告費、代名人費及代名人行政費等額外收費，所以債務重組收費相對低廉，視乎每位顧客的還款年期及欠債金額。

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。

The insolvency practitioner will review your scenario annually Whilst you’re on an IVA. When your cash 債務重組破產分別 flow improvements, your IVA payments could transform. One example is, if you get a iva是什麼 spend rise at perform you’ll be anticipated to pay for much more into your IVA.

If it’s possible you are going to get an inheritance or massive bonus or gift within the future five a long time, it is best to consider carefully about regardless of whether an IVA is appropriate for you.

You’re very likely to locate it hard to borrow during that point. Whenever your IVA finishes, your credit score report is going to be up to date to replicate this.