破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。

There's a chance you're capable to get respiration House from your creditors for The complete time you're obtaining disaster procedure, in addition 30 times immediately after. Disaster cure involves such things as receiving unexpected emergency or acute mental health and fitness care in medical center or the Local community.

簡而言之，債務重組是一種更為溫和且可持續的解決方案，尤其對於那些仍希望與債權人保持良好關係的個人或企業而言。相比之下，破產雖然可以給予重新開始的機會，但往往伴隨著更為嚴重和持久的負面影響。

Any property that you might want to help keep, like a car, should be excluded with the IVA. If you don't want to include an asset as well as the insolvency practitioner won't Consider your creditors will agree to exclude it, your insolvency practitioner will not mail the proposal towards your creditors.

Sure, the people you owe have to agree to your IVA. There'll be a gathering of creditors to come to a decision whether to approve your IVA. On your IVA to get authorized:

You may choose to profit some of your pension to lift a lump sum for an IVA. Nonetheless, this would leave you with a lot less funds to live to tell the tale once you retire.

Just before we recommend an IVA for yourself, We are going to execute a complete assessment within your conditions to determine if this is the greatest debt Resolution to suit your needs, or recommend an alternate, if we think that can be much better.

Should you be having difficulties to pay 債務重組 your debts, then we suggest you will get in touch both on the internet or by mobile phone on 0800 316 1833 so one among our helpful advisers can have a look at your situations and workout the top credit card debt Resolution to suit your needs.

If you have an outlined contribution pension Should you haven’t started off using income out of your pension pot, your creditors likely won’t be expecting you to entry it to pay dollars in to the IVA, Even when you’re permitted to.

債務整合過程比其他財務舒緩方案簡單，皆因它不涉及法庭程序，無須欠債方請律師申請臨時債務整合令，也無須委任代名人代擬還款報告，所以沒有法庭費用、報章通告費、代名人費及代名人行政費等額外收費，所以債務重組收費相對低廉，視乎每位顧客的還款年期及欠債金額。

破產是一種法律程序，當債務人無法償還債務時，便可經法院宣布破產。破產程序可以由債務人自行提交或由債權人提出申請。香港原訟法庭在接到破產申請後，會判決是否頒布破產令。

而兩者另一個重要之別是，債務重組申請人只需留起每月薪金的一部分作還款之用，餘額可自由使用；破產申請者的生活卻需被破產官監察，入息在扣除基本生活費後，餘額需由破產官安排作還債之用。

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