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另外，不少銀行或金融機構，如滙豐銀行都附設債務重組部門，其債務重組部專員會為你度身訂做個人化還款計劃，減輕還款壓力。主要會研究如何減低不必要開支，同時盡力保障申請人的住屋、水電煤氣、醫療保障等生活條件，維持生活質素。如你遇到還款困難情況，不妨首先向銀行或這些機構尋求諮詢，明愛向晴軒債務及理財輔導服務、東華三院健康理財家庭輔導中心亦有提供相關協助服務。

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Disclaimer: MoneyHero would make every effort and hard work to help keep info on our Internet site accurate and up-to-date. This info may very well be diverse from what you see if you go to a economical institution or services provider’s web site. APR and regular payments proven in personal instalment mortgage comparison webpages are approximated dependant on calculation of knowledge you enter.

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債務重組可以立即停止被債權人追數，即時舒緩逼切支出，從而減輕精神壓力。

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債務重組與破產是兩種不同的財務處理方式，它們在多個方面有所不同。以下是兩者的主要區別：

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在申請債務重組之前，記得要先評估自身的欠債狀況，適合用債務重組或結餘轉戶方式？兩者其實是不同的。

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Indeed, then we’re here to produce you assist for filing individual bankruptcy, modifying your home finance loan, foreclosure safety, personal debt reduction, immigration problems, etc. Give us a possibility to overcome to your legal rights. Most of the people who discover them selves managing foreclosure have labored onerous to pay their mortgage on the other hand could have been unemployed or underemployed, needed to manage mounting healthcare bills or are actually by a divorce. Before you decide to take care of on who you prefer to to implement, you have to consider a resume and receive references. Harmony have to be achieved inside the precedence purchase

Monetary obligation restructuring is definitely an step This really is definitely important fixing financial problems, and it may well aid in increasing anyone's credit history rating.

擬定還款建議書後，我們公司團隊便會呈交還款建議書給債權人，並進行協商，務求獲得雙方同意。