債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下：

Although it isn’t not possible to go a credit rating Verify while within an IVA, it's going to remain in your credit history file for six many years within the date it was authorised, which could have an effect on your ability to get credit rating.

Most non-precedence debts is usually A part of a person voluntary arrangement. A financial debt is classed as both precedence or non-priority depending on how critical the results are when you don’t fork out. 

I hereby accept that I've read and acknowledged to generally be bounded by all of the conditions and terms of K Cash's application conditions, privacy plan and personal knowledge assortment statement

維持專業資格和工作：進行債務重組的個人或企業可以繼續擔任管理層職位，並保持專業資格，例如會計師或律師。同時能夠繼續經營生意，保持收入來源，相對更容易脫離困境。

服務費當中包括為客戶擬定新的還款書、與不同或最大債權人協商、一切的文書準備及跟進工作。

Over the IVA, your creditors ought to halt charging interest or chasing you on your debts. Any cash that you choose to owe following the agreed period of time will probably be prepared off.

Your SMI payments may end and You may have to pay for back again any SMI you've got experienced considering that 6 April 2018. An IVA might not be best for your needs.

不需要。我們只有在獲得客戶同意後，才會進行債務重組收費。我們提供免費的初步諮詢和會面，我們會用最短的時間讓客戶了解清楚整個服務的流程、影響、收費，同時給予專業建議。我們知道這是重大的決定，踏出這一步將有可能扭轉客戶的一生，因此我們尊重客戶的慎重考慮，在客戶同意之前並不會採取任何收費手續。

You need to Use 債務舒緩邊間好 a 'provable' earnings to have the ability to apply for an IVA. Hence, you'll be able to be self-used or an employee, certainly be a restricted corporation director or inside a partnership, or you could possibly even be unemployed or retired and living drp off your pension.

The fraud circumstance is described to the police for abide by-up. K Income reminds shoppers that the 債務重組收費 business will only invite customers to your central head Workplace and several K Money bases to barter and post relevant paperwork. Consumers can Examine the addresses of the head office and branches on the K Income website.

當欠債人在申請債務重組後，環聯資訊有限公司會紀錄相關款項，並會降低借貸人的信貸評級，這也是為什麼一般銀行和財務機構通常不會接納貸款申請。

Pension risk: If you receive income from a personal pension, you may have to pay many of it in direction of the IVA.

An IVA includes a ‘windfall clause�? If you receive a windfall (a sum of cash), you must report it and may need to create further payments with your IVA.