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。 To get an IVA, you need to have some spare profits each month to pay your creditors, normally at least £100. Your creditors are unlikely to just accept an IVA When your payments are fewer than that. IVA stands for ‘Unique Voluntar... https://shanebmyis.digitollblog.com/29517145/detailed-notes-on-債務舒緩-drpiva-top