首先，欠債人需要制定一個清晰明確的月度預算，並在預算中預留足夠的金額來支付債務。其次，將所有的收入和支出記錄下來，以便掌握自己的財務狀況。這樣就能確保自己的支出總是在預算範圍內，並且能按時完成債務的還款。最後，避免延遲支付，因為這可能導致你需要支付額外的利息或費用。

To have an IVA, you ought to have some spare earnings monthly to pay your creditors, typically not less than £100. Your creditors are unlikely to simply accept an IVA if your payments are under that.

Be sure to pay your costs in total and on time. Shelling out charges on time like motor vehicle finance may help boost your credit history score.

As you’ve verified you should go in advance using an IVA, you’ll must go through an experienced insolvency qualified. Your credit card debt adviser will be able to set you in contact with somebody who might help.

If it’s most likely you're going to receive an inheritance or huge bonus or gift within the future 5 decades, you should think carefully about whether or not an IVA is suitable for you.

債權人收到債務重組申請通知書時，或會體諒債務人的困難而願意暫停追討，直至商議好新的還款建議後才重新償還債務。

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；

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。

Your debts is going to be merged into 1 cost-effective every month payment with a transparent timeline so you know when you can be debt-no cost.

“The reason my credit rating score was less than fantastic was that I experienced Earlier been in an IVA. My credit history rating was really on its way again up Once i took out my car finance. I might Certainly advise Moneybarn�?�?Kelly.

The creditors�?meeting: This is a distant or in-human being Assembly, which you'll attend 債務舒緩收費 if you want, where by the creditors will elect to settle for or reject the IVA proposal. If creditors representing over 75% within your overall credit card debt vote in favour, your IVA can go forward.

影響信貸評級：債務重組期間，透過自願還款可以改善信貸評級。有助於在債務重組完成後更容易獲得貸款或信用卡。

In case you don’t know the amount of your debts are, you'll be able 債務舒緩成功率 to find out how to gather details about your debts.

Our financial debt guidance might be distinctive depending upon the place you live 債務重組破產分別 in. Find your place beneath to ensure you get the ideal facts.