Experian is usually a multinational credit score reference agency that British isles clients can use to accessibility a no cost credit rating and statutory credit rating report.

免責聲明：本專頁刊載的所有投資分析技巧，只可作參考用途。市場瞬息萬變，讀者在作出投資決定前理應審慎，並主動掌握市場最新狀況。若不幸招致任何損失，概與本刊及相關作者無關。而本集團旗下網站或社交平台的網誌內容及觀點，僅屬筆者個人意見，與新傳媒立場無關。本集團旗下網站對因上述人士張貼之資訊內容所帶來之損失或損害概不負責。

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破產並不意味完全無需還款。破產期間，破產人每月收入中，須留出部分，用於還款。

兩者均毋須申請破產。而最大分別在於，申請債務舒緩的欠債人，毋須經任何法律程序。他可直接與債主商量及制訂雙方接納的新還款方案，變相批核時間較短、收費亦較便宜。

Finding an IVA won’t commonly impact your career. It might be a challenge if you're employed in certain professions - as an example, if you're a solicitor or accountant. You might not be in the position to maintain Doing the job with your job while you hold the IVA, or You could have to follow selected circumstances.

Payments are managed by an insolvency practitioner. An IVA stops the folks you owe from getting even more action versus you. Several of your debt is created off at the top.

Your SMI payments could prevent and you might have to pay for again any SMI you've had considering that six April 2018. An IVA may not be ideal for you.

When you own more expensive goods, such as antiques or highly-priced jewellery you should promote them to 債務舒緩邊間好 help you pay your debts.

The cost of an IVA may differ involving insolvency companies. Having said that, typically insolvency practitioners charge two costs for an IVA:

To be sure your data along with your privacy are safe, we at FileHorse Check out all 債務舒緩邊間好 computer software set up information each time a whole new a single is uploaded to our 債務舒緩邊間好 servers or connected to remote server. According to the checks we complete the software package is categorized as follows:

Your creditors will nevertheless manage to preserve asking you for income, one example is by calling you and sending you letters.

債務重組是《破產條例》下的法律程序，又稱為「個人自願安排」，是破產以外的另一選擇。當欠債人無法按雙方擬定協議還款時，欠債人可向法院申請臨時命令，期間任何人不得向債務人提出破產呈請，但需進行債務重組，與各債權人協商新的還款安排。一旦雙方達成共識，新協議將對所有債權人具約束力。

網上申請特快服務承諾：於任何辦公日中午前遞交網上申請，將有專人於當日跟進