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36 w - Translate

https://debts.ctr.hk/
介紹 這次, 債務 重組IVA(個人自願安排)和債務舒緩DRP(信用卡債務解決方案 計劃)成為兩個可行的解決方案。這篇文章將探索 這可能是, 優點和缺點,申請, 以及如何 選擇 適當的解決方案 其中 兩種實踐 在 低迷的背景 整個市場 和上升 生活費, 更多的人 是 與之合作 金融義務危機。根據最近的研究,許多家庭 和個人 感覺 無法 每當面對個人時還要償還 個人信用卡債務,象徵性地說, along with other 類型 貸款。 1。 what exactly is 財務義務重組IVA(個人自願安排) 背景和含義 個人安排 that is 自願) 只是 法律程序 只是幫助 people who 不能全額償還債務。IVA允許債務人提議償還債務 plan to 具有某些條件和期間的債權人 通常是 協助 a specialist 金融義務管理公司 提供幫助 計劃和分配的債務人。 IVA程序方法 債務人 必須 給付款 plan to 債權人, which is usually 設計為 逐漸償還財務義務 3至5 年 這個時代,債權人無法收回債務人, as well as the 整個保護的過程 根據法律。 肯定 過程 希望得到 IVA 財務評估: 首先,債務人 當然需要 進行全面的評估 that is 財務確定其總債務和還款能

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