You can't get out a joint IVA, however , you and the other individual may possibly have the ability to just take out unique IVAs which are linked - these are typically called ‘interlocking�?IVAs. Your insolvency practitioner will be able to advise you about this.

If your creditors comply with the IVA, as soon as it is about up, you will make a regular payment in your insolvency practitioner, who'll then shell out the agreed amount to every of the creditors.

If the profits goes up As you have an IVA, you have to declare it in your insolvency practitioner. If you don't, you might be breaking the arrangement.

After that, they’ll generate an IVA proposal to your creditors and the 債務舒緩 courtroom. The proposal will include:

An IVA isn’t sure to be iva recognized by your creditors. When they reject the proposal, you might have to search out One more debt Alternative.

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。

本公司的分析專員經驗豐富，曾處理過為數不少重組債務成功個案，對重組債務程序亦非常熟悉。

For the reason that an IVA is made for one particular human being, it may not be The simplest way to repay joint debt. This is because, Even though you are within an IVA for the debt, your associate will nevertheless be responsible for repaying the financial debt.

因此，如果欠債額較低，債務舒緩和其他大額清數貸款便會是較為適合的選擇。債務舒緩和結餘轉戶計劃的原理與債務重組相似，但手續更簡單，更不需要經過法律程序和留下紀錄，較適合一些從事敏感行業的人士，如金融業、公務員、或其他專業人士，後者及影響較債務重組較少。

Present the necessary data: You’ll share your present-day conditions with all your insolvency practitioner. This contains evidence within your revenue and charges, like payslips, Positive aspects letters, or drp是什麼 lender statements. This assists them recognize your situation and draft an IVA proposal.

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

債務重組是一種透過法律途徑處理大量欠款的策略，進行此項程序前需要留意一些準備步驟和重要事宜。

The price of an IVA varies concerning insolvency providers. Having said that, commonly insolvency practitioners demand two costs for an IVA:

Register for that electoral roll, in the event you haven’t by now, to make it less complicated for lenders to validate your identification.