香港專業債務重組中心
KY, US
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債務重組其中之一種方法，可以說是IVA的簡化版，其中最大之分別在於無需透過法律程序，更可與個別的債權人直接商談還款方案，使欠債人避免破產而能在新的還款方法下，重過正常人之生活，及在指定之年期間還清債項。
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One of the methods of debt restructuring can be said to be a simplified version of IVA. The biggest difference is that there is no need to go through legal procedures, and the repayment plan can be negotiated directly with individual creditors, so that the debtor can avoid bankruptcy and can repay the debt. Under the method, relive the life of a normal person and pay off the debt during the specified year.
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KY, US