New Step by Step Map For 債務重組 - 【debts.ctr.hk】
New Step by Step Map For 債務重組 - 【debts.ctr.hk】
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持不反對申請證明到高等法院登記處，取得誓章表格。如果需要英文版本的破產解除證明書，則需使用英文誓章進行申請；
The creditors�?meeting: That is a remote or in-particular person Conference, which you'll show up at if you want, exactly where the creditors will elect to acknowledge or reject the IVA proposal. If creditors representing much more than seventy five% of the overall personal debt vote in favour, your IVA can go ahead.
如欠債人在供款期間不幸被解僱或遭減薪，只要出示有關證明文件，並獲債權人同意，就可暫時停供還款。
債務重組失敗會令債務人因無法按時償還貸款使其信貸評級進一步惡化，甚至面臨被逼破產。除了債務重組外，欠債人可考慮申請債務舒緩或結餘轉戶計劃以解決債務問題。
I have responded to your organization’s intention to work with my particular information and facts for immediate marketing, which includes consenting to your organization notifying me of bank loan provider facts by means of phone, sms, electronic mail, whatsapp and other instant messaging solutions.
Precedence debts will not be included in an IVA. They depend to your month-to-month family bills alternatively. Priority debts contain:
i also verify that your business has reminded me you may notify your organization Anytime to request that you halt delivering me with pertinent immediate marketing and advertising materials.
破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。
You may have a lump sum of cash, for example funds left for you within iva a will. This is likely to be included in the IVA. This means you’ll should use this income to produce your month to month payments to the creditors.
申請是否成功取決以下條件，包括欠債人的工作穩定性，是否保證有一定的還款能力；是否擁有公積金或自資物業；還款誠意；還款年期長度，以及是否需要保留專業資格等。
若你發現自己無法按計劃還款，首先不必驚慌。你需要立即與你的債務顧問或律師聯絡，他們可以為你提供專業的建議，並幫助你了解你現在有哪些選擇。與此同時，你也應該盡快與債權人聯絡，向他們解釋你當前的困難，並嘗試協商修改還款計劃。如果情況允許，你也可以尋求專業的財務諮詢，他們可以根據你的具體情況，為你制定一個新的財務計劃。
The insolvency practitioner will evaluation your predicament yearly As you’re on an IVA. When your cash flow 債務舒緩 modifications, your IVA payments may well improve. Such as, if you can get a pay increase at do the job 債務重組破產分別 you’ll be envisioned to pay additional into your IVA.
就業限制：不能從事特定職業，如律師、保險、地產和證券商或有限公司董事；
An IVA will appear with your credit file and can make it more durable to obtain credit rating. It won't be eliminated right until 6 yrs once the day it absolutely was accepted.