An IVA need to be setup by a certified person, named an insolvency practitioner. The insolvency practitioner will demand service fees with the IVA.

有債務人怕債務重組價錢高昂，但經過本公司申請，債務重組費用是在您節省利息的百分比來收費，成功後分期付款，而且不會多於您的還款金額，所以申請人並沒有額外付出之下，完成減供減息

面對過度消費賬單、投資失利或周轉不靈的情況下，債務狀況或會逐漸轉差。對於受到債務困擾的人來說，或會以為破產是唯一的辦法，很多人不知道債務重組這個選項而選擇破產。了解債務重組與破產的分別和影響，給自己多一個選擇，切勿輕易走上破產之路。

Launched into legislation as Section of the Insolvency Act in 1986, IVAs have become a highly regarded way for people to deal with their personalized unsecured debt troubles, but what is an IVA, and How can it work?

You will be in the position to get breathing space from a creditors for The full time you are getting disaster remedy, in addition thirty times following. Disaster cure contains things like having unexpected emergency or acute psychological wellbeing care in hospital or perhaps the community.

A person voluntary arrangement (IVA) is a means to pay off your debts at A cost-effective level. It truly is lawfully binding settlement among you as well as men and women you owe.

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。

An IVA can be a legally binding settlement with the creditors to pay back your debts at An easily affordable rate. Most IVAs final for 5-6 yrs. After that time, anything you continue to owe is published off. What this means is you won’t be iva questioned to pay it again.

我們提供不同的計劃方案協助債務人解決債務問題，不同的計劃方案需要符合不同的債務重組條件。如果您不肯定自己的債務問題能夠對應哪個計劃，請參考我們的網頁，或與我們的專員聯絡，我們將為您提供初步免費諮詢，找到解決債務的方向。

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In the event you’re above 55 and possess a 'defined contribution pension', you can profit some of your pension to lift a lump sum for an IVA. Nonetheless, this would leave you with a lot less cash to live to tell the tale in retirement.

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