如果成功申請債務重組，便可以按照個人的還款能力，與債主重新商議還債安排，同時避開破產，保留專業資格，以免對工作、信貸紀錄及個人聲譽帶來深遠影響。

So how exactly does an IVA have an affect on your daily life? An IVA is undoubtedly an insolvency Remedy and may have an effect on your finances in some ways. Your credit score ranking is afflicted for six years, within the date the arrangement is agreed. In the course of this time your IVA is likewise recorded on:

Using a accomplished IVA in your file may well go on to really make it tougher for you to borrow for a while, as potential lenders will see that you choose to’ve had trouble creating repayments in the past.

If you have the cash to repay your debts, different credit card debt repayment choices may be worthy of thinking about first.

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

An IVA will often be mechanically additional, marked as ‘entire�? and removed from your credit file as necessary. After 6 years, it is going to not be 債務重組收費 obvious on your own credit rating file, however, you can Test your credit rating report occasionally to be certain all the small print are suitable.

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。

Launched into legislation as Element of the Insolvency Act in 1986, IVAs 債務舒緩成功率 became a extremely popular way for people today to manage their personal unsecured personal debt troubles, but what is iva an IVA, and How can it work?

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

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。

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

債務重組是一種透過法律途徑處理大量欠款的策略，進行此項程序前需要留意一些準備步驟和重要事宜。

Debt charities: Talking to credit card debt charities, which include StepChange or National Debtline, will help you generate a private credit card debt administration approach or locate the best Answer that can assist you repay That which you owe.

不少人都問：債務舒緩或重組邊間好？其實，市面上有不同的公司或機構提供處理債務的服務，當中不乏一些專業人士或機構，但他們未必能夠多角度和多方面地照顧到債務人的需要，只能夠單方面處理財務上的問題，例如一些律師會建議債務人申請破產，但卻忽略了會帶來的嚴重影響。最後債務問題解決了，但未必能舒緩其他因債務問題而引致的生活上各種問題。