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紀錄在案：債務重組紀錄與破產個案一樣會登記在破產管理署的名冊上，公眾可隨時查閱，但相對於破產，債務重組影響通常較小。

Certainly, it provides customization options through the installation system. You'll be able to pick out to set up unique drivers or Allow the software package automatically install all the necessary drivers.

An IVA is often a lawfully binding arrangement setup between you and your creditors that you should repay an amount of money you could find the money for in excess of a set time frame; usually all-around 5 years. It permits any unsecured debts to be created off at the conclusion of the IVA.

During your IVA, delivering you make the agreed payments, creditors will not cost desire or fees on your debts. They’ll also stop chasing you to pay.

A driver is a vital method part that enables the Charge of exterior devices connected to a computer. In easy phrases, it truly is program that facilitates interaction among the working method and a specific gadget.

With most IVAs You will find a limit on the quantity you’ll be predicted to raise. The Restrict is based on the value of 債務舒緩債務重組分別 your home and the level of the mortgage loan you have already got.

I hereby accept that I have read and recognized to generally be bounded by all of the conditions 債務舒緩 and terms of K Hard cash's software phrases, privacy plan and private info assortment statement

生活限制：不能乘坐的士、不可購買貴重物品及資產（如物業、汽車）、不能再對已購買保險作出供款；

欠款人曾因為欠款數額過大而難以負擔，因而需要申請欠款重新整合計劃，因此，本中心衷心勸喻申請通過後的欠款人切勿再次借貸，以免墮入以債養債的無限輪迴。而一般銀行或財務機構亦都不會處理或接受正在欠款重新整合計劃期間的申請。

A handling charge: A cost billed every time the insolvency practitioner procedures your payment. Often known as a supervisor charge, it will be paid from any remaining funds after the set-up fee is compensated

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。

i also confirm that your company has reminded me you could notify 債務重組 your company at any time to request that you stop providing me with relevant immediate marketing materials.

本會一直以來致力協助香港不同人士處理債務問題，減輕債務人和家庭成的債務和心理壓力。債務的出現可以有多種因素，包括家庭經濟壓力、不當的理財方式、不良的嗜好或習慣等。不論你是因為什麼原因而導致債務問題的出現，本會都希望能夠根據你的獨特需要，協助你真正解決問題，讓你可以儘早重過新生活。