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42 w - Translate

https://iva.ctr.hk/
https://debts.ctr.hk/
介紹 在今天 環境 這當然是 金融人員面臨財務義務壓力 用於各種各樣的 原因(例如 失業,突然的支出等)。減輕 這個問題,財務義務重組(IVA)和 信用卡債務減免 計劃(DRP) 已經成長了 作為典型的解決方案。本文將探討特徵,程序和應用程序 為了這 two to help 訪客做 明智的選擇. 1.債務重組IVA(個人自願安排) 功能和定義 IVA 只是 一個過程 that is 適當的幫助個人解決長期債務問題。這允許債務人和債權人 獲得 雙方同意的還款計劃,經常 低於 六年。 過程概述 初步諮詢:債務人應尋求 幫助 a specialist 顧問 廣泛 考試 that is 金融的。 安排編隊: 基於 link 在 評估,顧問 can help 債務人制定還款計劃 that is 可行的。 發布 to the 法院:提交 總體規劃 向您的法院通知所有債權人。 投票程序:債權人將投票 for the 程式. 他們可能是 實施的 if they 還有更多 超過75%的支持。 卓越和劣勢分析 優點: 一些債務還清並減輕了經濟負擔。 提供法律保護 to prevent 採取行動的債權人 that is 更遠。 缺點: 它會影響信用 that is 個人六年。 你需要 支付管理

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