申請破產條件是什麼？經濟不景，破產成為社會關注議題。本文將分享債務重組與破產分別、申請破產後果壞處、破產限制、申請破產程序、申請破產費用及破產年期。另外，亦會回答一些常見破產提問，例如破產開銀行出糧戶口可以嗎？破產後工作有何限制？破產唔洗還錢？

申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。

Someone voluntary arrangement (IVA) is a proper and legally binding agreement in between both you and your creditors to pay again your debts more than a time period. This suggests it’s authorized via the courtroom and your creditors really need to stick with it.

Personal bankruptcy is a kind of insolvency that includes implementing to the courtroom so that you can obvious your debts. There exists an upfront rate and you could be necessary to make payments from the earnings in the personal bankruptcy for as many as three years.

持不反對申請證明到高等法院登記處，取得誓章表格。如果需要英文版本的破產解除證明書，則需使用英文誓章進行申請；

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If you discover out that you're because of some money due to something that happened ahead of the IVA, your creditors may need the proper to assert it way too - whether or not your IVA has completed.

An IVA has to be build by an experienced individual, named an insolvency practitioner. The insolvency practitioner will demand service fees for the IVA.

不需要。我們只會收取債務重組費用，其餘如初步諮詢、初次會面都是免費的。我們明白債務人在財務上的壓力，因此我們盡可能為客戶提供實質而有用的幫助，協助客戶減省不必要的金錢浪費，讓他們將資源集中在解決債務困難上。

IVA stands for ‘Personal Voluntary Arrangement�? It’s a proper credit card debt solution that helps you combine and repay many various debts in a single regular payment. You’ll come up with a legal agreement to pay off element or your entire debts to the creditors in An economical way.

i also affirm that your business has jogged my memory you may 債務重組邊間好 notify your company at any time to request that you quit offering me with appropriate direct promoting products.

In the event you don’t Possess a lump sum of money or regular quantities to pay for into an IVA, it is best to Check out other available choices for obtaining out 債務重組邊間好 of personal debt. Yow will discover out more details on other financial debt options.

私人貸款 熱門私人貸款 財務公司貸款 銀行貸�?結餘轉戶貸款 汽車貸款 稅務貸款 虛擬銀行貸�?中小企貸款

Financial iva debt charities: Speaking to personal debt charities, for example StepChange or National Debtline, will let you make a personal personal debt management plan or locate the greatest solution to assist you to repay what you owe.