To acquire an IVA, you need to have some spare income on a monthly basis to pay your creditors, usually a minimum of £a hundred. Your creditors are unlikely to simply accept an IVA When your payments are a lot less than that.

申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

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Irrespective of whether an IVA is appropriate relies on the amount of debt you have got and what number of creditors you might have (a creditor is someone you owe cash to).

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At the time your insolvency practitioner has proposed a repayment intend to your creditors plus the terms in the IVA are agreed, you pay back the insolvency practitioner monthly and they're responsible for splitting the money involving your creditors.

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You'll have only to pay a person total each and every month and that could incorporate charges for setting up and drp running your IVA. You won’t really have to shell out extra for these service fees �?you just pay back the agreed sum you can find the money for each month and these prices might be deducted in the sum you fork out each month.

Most IVAs have a 債務舒緩 windfall clause. A windfall is cash or belongings you obtain unexpectedly - for instance:

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簡而言之，債務重組是一種更為溫和且可持續的解決方案，尤其對於那些仍希望與債權人保持良好關係的個人或企業而言。相比之下，破產雖然可以給予重新開始的機會，但往往伴隨著更為嚴重和持久的負面影響。

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本會一直以來致力協助香港不同人士處理債務問題，減輕債務人和家庭成的債務和心理壓力。債務的出現可以有多種因素，包括家庭經濟壓力、不當的理財方式、不良的嗜好或習慣等。不論你是因為什麼原因而導致債務問題的出現，本會都希望能夠根據你的獨特需要，協助你真正解決問題，讓你可以儘早重過新生活。