破產是債務解決方案的一種形式，也是一項法律程序，主要適用於債務狀況較嚴重，並且未能在合理時間內還清債務的人。破產後果是欠債人所擁有的任何資產，包括物業，都會被出售以償還債務，破產的主要目的是確保欠債人資產公平並有序地由破產案受託人攤分給債權人，破產程序可以在法庭的監督下進行，並根據特定的法律程序來執行。

An IVA, or Person Voluntary Arrangement to provide it its total title, is a formal financial debt Resolution for individuals with a significant unsecured credit card debt dilemma, who want or will need to stay away from remaining declared bankrupt by their creditors.

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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。

A similar may be stated for people today striving to protect their profits, simply because an IVA is especially appropriate For anyone who is within a job that prohibits bankruptcy for a financial debt Option, like accountants, financial institution workers, attorneys, civil servants, Armed Services personnel, Jail Officers and Law enforcement Officers.

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An IVA can only address one particular individual, so one other particular person will still be chargeable for The entire of your financial debt. It may not be a good idea to include things like joint debts within the IVA.

影響信貸評級：破產通常會導致信用評級的急劇下降，而重組的影響則較為溫和。債務重組過程中，信貸評級可能受到影響，而在清還貸款前，欠債人不能再借貸或申請信用卡。

You are going to only have to pay for just one total each and every month and that may contain charges for starting and controlling your IVA. You received’t really have to pay additional for these costs �?you just pay out the agreed volume you could find the 債務舒緩債務重組分別 money for on a monthly basis and these expenditures might be deducted through the sum you pay out every month.

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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。

Aquiring a finished 債務重組邊間好 IVA on your own file may keep on to really make it harder so that you can borrow for some time, as potential lenders will see which iva you’ve experienced hassle making repayments prior to now.

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債務重組與破產的最大分別，在於債務重組的申請者並不會有破產身分及紀錄。申請人毋須通知現職僱主、可出任公司管理層、可經營生意、可保留原有物業及銀行賬戶等等，對其工作、資產、個人名聲均較少影響。