For those who have debts which can’t be included in the IVA, you'll need to manage People independently so you might want to ensure that you have enough funds to pay for these debts before shelling out dollars into an IVA.

Banking constraints: You will only be permitted to use a primary bank account during the IVA to avoid borrowing via an overdraft.

To start an IVA without having a financial debt administration firm - you will find an insolvency practitioner oneself on GOV.British isles.

委託會計師及律師作為代理人。代理人會因應個別欠債人的情況，決定是否接納其案件。委託一經接納，欠債人需就開展債務重組進行宣誓，並由代表律師將臨時命令申請書呈送法庭存檔。

Asset defense: Your creditors received’t be capable of offer assets, including your own home or car, If they're safeguarded underneath 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。

In case your creditors agree to the IVA, when it is ready up, you could make a month to month payment in your insolvency practitioner, who will then fork out the agreed amount of money to every within 債務舒緩債務重組分別 your creditors.

受有關優惠條款及細則約束。提示：借定唔借？還得到先好借！·資料由客戶提供

Also, you will discover Careers that a bankrupt individual would not be legally permitted to keep, such as working for The federal government, in a economical expert services function, or currently being a company director. Remaining within an IVA may not have 債務舒緩 an impact on your work Except if you're employed in economical or authorized products and services.

Should you’re however shelling iva out money into your individual pension, You could have to halt spending to the pension and use the money to pay your creditors As you hold the IVA. It might be possible to carry on having to pay into your pension if there's a vital cause. Question your insolvency practitioner.

此外，欠債人於申請過程中所花的雜費，如影印費、刊登法律通告費、郵遞及車馬費等，則屬實報實銷。最後，欠債人亦須支付法庭收費，此乃劃一收費。

The end result: In case your IVA is recognized, you’ll get a letter confirming it, It'll be extra towards the Insolvency Sign-up, and you need to keep up with the monthly payments.

In almost any situation, all options really should be explored completely and terrific care need to be taken just before choosing with a class of action to consider mainly because of the inflexible mother nature of the IVA and the implications This could certainly have.

銀行或財務公司專為 客戶集中清還債務 而推出的貸款產品。借貸機構會批出較原有債務低息的新借貸計劃，助欠債人集中清還債務。