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。

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Somebody voluntary arrangement (IVA) is a formal and legally binding arrangement concerning both you and your creditors to pay for again your debts in excess of a period of time. This implies it’s accepted with the courtroom and your creditors need to stay with it.

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High price merchandise like a ‘property�? ‘land�?or simply a ‘auto�?are called property and will be included in your IVA. This suggests you will provide them and use The cash to pay for the creditors. You don’t need to have any particular belongings to receive an IVA.

Ahead of we advocate an IVA to suit your needs, we will carry out a full evaluation of your respective conditions to make a decision if this is the best personal debt Resolution for you personally, or endorse 債務重組破產分別 an alternate, if we think that can be improved.

The repayment system must be depending on an amount you could pay for as well as your creditors will require to agree it. If you are making regular monthly payments the IVA will usually very last for five or six several years.

An IVA acts as a 債務舒緩成功率 formal choice to bankruptcy, permitting you to reach an amicable agreement with all your creditors without the anxiety of Specialist sanctions becoming taken 債務舒緩收費 towards you.

Somebody voluntary arrangement needs to be set up by an experienced insolvency professional. They’ll figure out exactly how much it is possible to find the money for to pay for every month following covering your necessary prices.

An IVA will have an impact on your credit history score because it are going to be recorded with your credit file for 6 several years in the day it is agreed.

日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。

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結餘轉戶貸款是一種私人貸款產品，與債務舒緩計劃不同，其原理是將多筆卡數或債務合併，並轉移至單一債權人，以達至減少利息支出、方便管理債務及延長還款期等作用。