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32 w - Translate

https://iva.ctr.hk/
介紹 The end result 個人和家庭的財務義務困境已加深。 陷入困境 債務困境 由於 意外支出或收入。 與此 挑戰,異地自願安排(IVA)和債務解動安排(DRP) 已經變成了 兩個流行的選擇。這篇文章 會讓你 理解本質,過程和前瞻性影響 這兩個 方案 現在 不斷變化的財務環境。 1.債務重組IVA(個人自願安排) 基本概念 IVA 只是 離開 this is certainly 法律援助 people who 無法全額償還債務。通過IVA,債務人可以提出可行的分期付款計劃, 那將是 在法律保護下重組。 操作過程 財務評估:債務人 必須 與專業專業人員合作進行 密集 evaluation that is 貨幣清楚地理解了他的債務狀況。 諮詢計劃:顧問 可以協助 債務人 生產 還款 that is 可持續的, 經常 封面 3至5 年。 發布申請:提交 計劃 向您的法院通知所有債權人。 債權人投票:債權人對 計劃 in just 間隔 那是可以肯定的 的。 這個系統 經常需要 效果如果 明顯多 75%的支持。 好處和缺點 優勢: 可以減輕一些債務並進一步減輕壓力 that is 金融的。 提供保護 this is certainly 合適的 避開 債權人的數據恢復。 缺點: IVA文件將持續到六年 信用報告。 支付管理費用

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