If you have debts that may’t be included in the IVA, you'll have to cope with Those people independently so you must you should definitely have adequate revenue to pay these debts in advance of shelling out cash into an IVA.

二線財務公司的貸款方案的利息往往會較高，還款期亦較短；借貸前，必需好好比較不同財務公司

是兩種不同的財務處理方式，它們在多個方面有所不同。以下是兩者的主要區別：

委託會計師及律師作為代理人。代理人會因應個別欠債人的情況，決定是否接納其案件。委託一經接納，欠債人需就開展債務重組進行宣誓，並由代表律師將臨時命令申請書呈送法庭存檔。

ClearScore is a money engineering organization that can give its users free use of their credit rating and makes its cash by matching customers with loans and charge cards.

Equifax is a global credit history reference agency operating in the UK. You'll be able to accessibility your Equifax credit history report at no cost by signing up for the myEquifax account.

生活限制：不能乘坐的士、不可購買貴重物品及資產（如物業、汽車）、不能再對已購買保險作出供款；

受有關優惠條款及細則約束。提示：借定唔借？還得到先好借！·資料由客戶提供

Your IVA will 債務舒緩債務重組分別 likely be accredited with the Conference of creditors when you comply with 債務重組 the modifications. Do the persons I owe have to comply with the IVA?

結餘轉戶計劃，是銀行或財務公司的貸款產品，主要用作集中清還債務之用。借貸機構會批出較低息的新借貸計劃，助欠債人償還原有較高息的債務。透過償還高息債務，你的信貸評級也可受較少影響。

How and if you pay out the insolvency practitioner may differ. Some practitioners will request you to pay for a payment in advance of establishing an IVA.

Failing to help keep up together with your IVA payments may lead to your IVA falling into arrears, which could lead on to it staying terminated.

由於債務重組是法律程序，故申請成功後對所有債權人及欠款人都具法律約束力，但債務重組記錄會出現在破產署名冊內，公眾可隨時查閱得到。

An IVA will look on the credit score file and can make it more challenging to get credit. It will not be taken out 債務舒緩邊間好 right until 6 yrs once the day it was accredited.