Credit card debt charities: Talking to credit card debt charities, including StepChange or National Debtline, will let you make a personal personal debt management program or locate the finest Alternative that may help you repay That which you owe.

The exact same could be reported for folks trying to protect their revenue, since an IVA is particularly ideal When you are in a job that prohibits personal bankruptcy like a debt Alternative, including accountants, bank employees, attorneys, civil servants, Armed Services personnel, Jail Officers and Police Officers.

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In addition, if prospects have doubts with regards to the id of your officer, remember to call the K Money customer care 債務重組邊間好 hotline 21111 211 to validate the identity in the staff members.

IVA stands for person voluntary arrangement. It’s an 債務舒緩收費 alternative to bankruptcy that sometimes helps you to preserve crucial belongings which include your vehicle and home.

Rigid: If your circumstances change and You can not make an IVA payment, you might have to declare bankruptcy.

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。

彈性的日常生活：相較於破產，債務重組對日常生活的限制較少。能夠自由支配收入，且沒有旅遊或奢侈消費的限制。

An IVA can only deal with one particular particular person, so the opposite individual will nonetheless be liable for The complete of your debt. It might not be a good idea to incorporate joint debts while in the IVA.

An IVA may not be good for you if you owe cash to individuals or corporations during the EU. These debts may not be included by an IVA.

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。

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。

Priority debts will not be included in an IVA. They rely in the direction of your regular monthly household expenses rather. Priority debts consist of:

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