影響信貸評級：破產通常會導致信用評級的急劇下降，而重組的影響則較為溫和。債務重組過程中，信貸評級可能受到影響，而在清還貸款前，欠債人不能再借貸或申請信用卡。

電子錢包攻略家庭開支 家用／水電煤／寬頻入油【信用卡交租】信用卡交租賺現金回贈比較與教學

If the money goes up As you have an IVA, You will need to declare it to the insolvency practitioner. If you do not, you could possibly be breaking the settlement.

But you'll find stuff you can perform to help your predicament. Making repayments in time and being effectively inside credit score boundaries can help to point out that you could borrow responsibly. With time, this is likely to make you seem to be a lot less of the threat to prospective lenders.

Once your insolvency practitioner has made a proposal, they may connect with a creditors�?meeting to vote on it. The IVA is going to be recognized provided that creditors symbolizing above seventy five% from the debts you owe vote ‘Of course�?

Your creditors will still have the ability to preserve asking you for income, one example is by contacting you and sending you letters.

Find an insolvency practitioner: Look at whenever they’re registered Along with the Insolvency Practitioners Association, and should they’re Component of a credit card debt suggestions organisation, see If they're controlled because of the FCA. You could potentially also utilize the Insolvency Practitioner directory to locate anyone suited.

借得la是一家來自新加坡的網上貸款配對平台，免費為個人及企業用戶在香港尋找最合適的貸款方案。只需數分鐘時間在網上填寫申請，用戶即可接收不同銀行和財務公司所發出的貸款安排及優惠以作比較。

債務重組常見問題

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。

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。

Brean was a author and spokesperson for NerdWallet who protected a 債務重組 range of matters like income-conserving suggestions, credit scores and managing personal debt. With in excess of five years' encounter in finance, she…

Debt charities: Speaking to debt charities, including StepChange 債務舒緩邊間好 or Nationwide Debtline, may help you make a private personal debt administration approach or locate the best Answer that can assist you repay That 債務舒緩 which you owe.

欠款人曾因為欠款數額過大而難以負擔，因而需要申請欠款重新整合計劃，因此，本中心衷心勸喻申請通過後的欠款人切勿再次借貸，以免墮入以債養債的無限輪迴。而一般銀行或財務機構亦都不會處理或接受正在欠款重新整合計劃期間的申請。