You cannot consider out a joint IVA, but you and one other individual may possibly have the capacity to get out personal IVAs that are linked - these are definitely termed ‘interlocking�?IVAs. Your insolvency practitioner will be able to advise you relating to this.

財產歸屬破產案受託人：破產人的所有財產（包括家庭居所）歸屬破產案受託人，直至破產產業管理完結。解除破產並不等同受託人已完成產業管理；

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。

I hereby acknowledge that I've study and recognized to get bounded by all the conditions and terms of K Cash's application phrases, privateness plan and personal info selection assertion

Asset defense: Your creditors won’t be able to market belongings, for instance your private home or car, if they are shielded under an IVA.

債權人收到債務重組申請通知書時，或會體諒債務人的困難而願意暫停追討，直至商議好新的還款建議後才重新償還債務。

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；

長者旅遊保險比�?新樓及二手樓收樓注意事項+驗樓清單 家居裝修保險需�?新手租樓注意事項

In the event you owe cash to people today or organizations from the EU You are able to’t commonly incorporate debts you owe to people today or businesses from the EU.

部份公司的會計師及律師可接受費用分期支付，甚至可因應欠債人的財政能力協議支付方法，例如將專業費用、律師費列入每月還款金額中。這些寬限服務，亦可納入欠債人考慮是否選擇該公司之因素之一。

　怎樣的重組債務方案才合適自己？聆聽您的實際情況，免費分析您的債務個案，給予最中肯意見。

An IVA will usually be mechanically extra, marked as ‘complete�? and faraway from your 債務舒緩邊間好 credit history file as required. Soon after six many years, it can no longer be noticeable on your own credit file, however you can Test your credit history report sometimes to be certain 債務重組邊間好 all the main points are appropriate.

If you enter into an IVA, it received’t show 債務重組邊間好 up in your partner’s credit rating report and won’t influence their credit rating Except if you and your spouse are financially linked. You’ll only be financially linked for those who’ve taken out joint credit, like a home finance loan or joint auto finance arrangement.

Inflexible: If the circumstances adjust and You can not make an IVA payment, you may have to declare bankruptcy.