會。若欠債人沒有如實申報所持有物業或其他資產，便有機會令債務重組的申請失敗，而且根據香港法例，在申請債務重組時，須委任代名人向其債權人提出償還債務建議，如果所委任的代名人沒有專業資格，亦有機會申請失敗。

How can an IVA affect your life? An IVA is really an insolvency Alternative and might have an impact on your finances in some ways. Your credit score rating is afflicted for 6 a long time, from your date the arrangement is agreed. Through this time your IVA can be recorded on:

An IVA and bankruptcy are each varieties of insolvency (fiscal problems in which you can’t repay your debts). The crucial element variation is that in personal bankruptcy, it's essential to hand over all of your belongings (including your home) which can be sold to recover your debts. An IVA provides a route to becoming personal debt-cost-free by making agreed month to month payments on your creditors.

a lot more than £10,000 - you can get an IVA should you owe much less, nevertheless the fees are high so there may be greater options In 債務舒緩 case your debts are more compact

免責聲明：本專頁刊載的所有投資分析技巧，只可作參考用途。市場瞬息萬變，讀者在作出投資決定前理應審慎，並主動掌握市場最新狀況。若不幸招致任何損失，概與本刊及相關作者無關。而本集團旗下網站或社交平台的網誌內容及觀點，僅屬筆者個人意見，與新傳媒立場無關。本集團旗下網站對因上述人士張貼之資訊內容所帶來之損失或損害概不負責。

以申請日起計，由於申請過程涉及的專業團體、行政工作較多，包括簽署文件，宣誓，排期上庭、開債權人會議作表決，整個申請流程大約花費四至五個月時間。然而，本中心在過程中會安排專業的會計師與律師跟進個案，客人不須擔心。

You could contain any amount of financial debt in the IVA. There iva是什麼 are no bare minimum or most limitations. The service fees for an IVA are higher so When your full debt is under £ten,000 an IVA may not be the best option.

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。

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。

Yes, the persons you owe must agree to your IVA. There'll be a meeting of creditors to make your mind up if to approve your IVA. On your IVA to be accepted:

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During your IVA, any desire or supplemental prices on your own debts is going to be frozen, so that you can focus on creating the 債務舒緩債務重組分別 agreed every month payment.

To create an IVA, you're going to be billed a cost by your insolvency practitioner, which may differ determined by whom you end up picking.

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。