You can not get out a joint IVA, however , you and the other man or woman might be capable to choose out person IVAs which might be related - these are named ‘interlocking�?IVAs. Your insolvency practitioner will be able to suggest you concerning this.

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；

Equifax is a world credit score reference company functioning in britain. It is possible to obtain your Equifax credit report without cost by signing up for a myEquifax account.

There are a variety of open source licenses but all of them must comply with the Open Source Definition - In short: the software may be freely utilised, modified and shared.

You may pay back your credit card debt: Your credit card debt will be cleared in complete as soon as your IVA phrase comes to an conclude, although the financial debt has not been paid out in full.

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。

Just before we propose an IVA for you, We'll perform an entire assessment of one's situation to choose if this is the best debt Alternative to suit your needs, or advise another, if we 債務重組 believe might be superior.

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。

over £ten,000 - you may get an IVA in the event you owe fewer, nevertheless the service fees are substantial so there might be greater alternatives In case your debts are more compact

Banking constraints: You may only be permitted to make use of a 債務舒緩 basic bank account in the IVA to avoid borrowing through an overdraft.

我們承諾「不成功，不收費」，因此如果最後因種種關係而申請失敗，我們將不收取任何費用。事實上，為了達到客戶的最大利益，我們的專員在首次會面已會就客戶所提交的文件作估算分析，並只會接納申請成功率高的個案，務求不浪費客戶的金錢與時間。

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。

Credit score damage: Your credit rating rating is going to be broken noticeably by an IVA, which can make it really difficult to acquire out a home loan, financial loan or credit card. IVAs keep on the credit score file for 6 years.

A credit card debt administration prepare (DMP) means that you can spend back your creditors each month at an amount you can afford. The DMP lasts until you 債務重組 have repaid your debts in comprehensive or your situation strengthen.