Should the valuation exhibits your share of the home’s equity is greater than £five,000, you’ll ordinarily need to borrow against your private home to raise a lump sum To place into your IVA. You shouldn’t really need to sell your property To do that.

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If you get a lump sum as Section of a private pension, you could really need to agree to spend this into your IVA.

To obtain an IVA, you may need some spare funds each and every month to pay your creditors. The amount desired varies determined by your IVA, the number of creditors you may have, and the amount personal debt you've. Your insolvency practitioner should be able to discuss this with you.

Should 債務舒緩邊間好 you don’t Have got a lump sum of money or common amounts to pay into an IVA, it is 債務舒緩邊間好 best to Verify other available choices for getting from personal debt. You will discover out more details on other debt options.

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。

An IVA functions as a formal option to bankruptcy, allowing you to succeed in an amicable arrangement using your creditors without the fear of professional sanctions staying taken from you.

結餘轉戶貸款是一種私人貸款產品，與債務舒緩計劃不同，其原理是將多筆卡數或債務合併，並轉移至單一債權人，以達至減少利息支出、方便管理債務及延長還款期等作用。

債務人在申請時不需要立即繳交債務重組費用，本公司更提供分期付款，方便債務人，與您共渡時艱。

It’s greatest to pay 債務重組收費 for mortgage loan or hire arrears individually towards your IVA - this can prevent you dropping your private home.

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。

香港債務舒緩或重組邊間好? 本會在處理債務問題上會根據你的實際情況，給予你一些確實的建議和適合你的舒緩方案。除此之外，我們亦會為債務人提供適切的支援及幫助，包括一些心理輔導和法律上的援助，更會定時舉行一些理財教育活動，讓大家學懂如何妥善理財，避免在一次出現債務問題；同時亦會有一些培訓及就業支援，讓債務人在償還債務的同事能夠有一份穩定的收入，繼續過一些正常的生活。當然我們亦非常注重債務人和家人的精神健康，會適當地給予一些心理輔導，希望能夠舒緩他們因債務已帶來的一些心理壓力。

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」。

If you get a windfall all through your IVA, for example an inheritance, this will often be taken and compensated towards your creditors.