根據《破產條例》第6章
專業協助債務重組方案

Professional Debt Restructuring
Under Bankruptcy Ordinance Cap. 6

根據香港法例，債務人可透過個人自願安排(IVA)或債務紓緩計劃(DRP)，在法律框架下與債權人達成還款協議，避免破產帶來的法律後果，重建財務穩定。

Under Hong Kong law, debtors may enter into an IVA or DRP to reach repayment agreements with creditors, avoiding bankruptcy consequences while rebuilding financial stability.

法律認可Legally Recognized
絕對保密Confidential
專業團隊Professional
免費債務評估Free Assessment 了解方案Learn More

IVA 關鍵數據IVA Key Statistics

75%債權人票數Creditor Votes
4-6年還款期Years Term
30-70%減債幅度Debt Reduction
0破產記錄Bankruptcy Record

服務概覽SERVICES

根據法例提供的債務解決方案

Statutory Debt Resolution Solutions

香港法例提供多種債務解決途徑，讓債務人在合法框架下處理財務困難

Hong Kong legislation provides various debt resolution pathways within a legal framework

個人自願安排 (IVA)Individual Voluntary Arrangement

根據《破產條例》第6章第20條，債務人可向法院申請臨時命令，在代名人監督下與債權人達成具法律約束力的還款協議。

Under Section 20 of Cap. 6, debtors may apply to Court for an interim order and reach a legally binding repayment agreement under nominee supervision.

債務紓緩計劃 (DRP)Debt Relief Plan

無需經法庭程序，透過專業顧問直接與個別債權人協商，達成較靈活的還款安排，適用於債務規模較小的情況。

Without court proceedings, negotiate directly with creditors through consultants for flexible repayment arrangements, suitable for smaller debts.

結餘轉戶貸款Debt Consolidation Loan

將多項高息債務整合為單一低息貸款，簡化還款安排並降低整體利息支出，適用於信貸評級尚可的債務人。

Consolidate multiple high-interest debts into a single low-interest loan, simplifying repayment and reducing interest expenses.

重要法律資訊Important Legal Information

根據《破產條例》(第6章)，破產令一經頒布，破產人將受到多項限制，包括不得擔任公司董事、資產可被變賣還債、出入境可能受限等。IVA提供法律認可的替代方案，讓債務人避免上述後果。

Under the Bankruptcy Ordinance (Cap. 6), bankruptcy brings various restrictions including prohibition from acting as company director, asset liquidation, and travel restrictions. IVA provides a legally recognized alternative.

債務重組初步評估

Preliminary Debt Assessment

填寫資料，系統將即時計算三種還款方案及詳細攤分表

Complete the form to see 3 repayment scenarios with amortization tables

債務評估計算機Debt Assessment Calculator

請準確填寫以獲得可靠結果Please provide accurate information

1債務資料Debt Info
2評估結果Results
3個人資料Personal
HK$
HK$
HK$

三種還款方案比較3 Repayment Scenarios

方案 APlan A
結餘轉戶Consolidation
48% p.a.
24 期months
HK$ --
每月還款Monthly
總還款：Total: HK$ --
方案 BPlan B
債務紓緩 DRPDRP
15% p.a.
60 期months
HK$ --
每月還款Monthly
總還款：Total: HK$ --
方案 C (IVA)Plan C (IVA)
個人自願安排IVA
10% p.a. + $1,000 代名人費fee
96 期months
HK$ --
每月還款Monthly
總還款：Total: HK$ --
方案 A - 結餘轉戶 (48% p.a. / 24期)Plan A - Consolidation (48% p.a. / 24 months)
方案 B - DRP (15% p.a. / 60期)Plan B - DRP (15% p.a. / 60 months)
方案 C - IVA (10% p.a. / 96期 + $1,000代名人費)Plan C - IVA (10% p.a. / 96 months + $1,000 fee)
以上僅為初步估算，實際方案須視乎債權人審批及個別情況而定。請填寫個人資料以獲取專業諮詢。 The above are preliminary estimates. Actual plans are subject to creditor approval. Please provide personal details for professional consultation.
個人資料收集聲明Privacy Statement

閣下在此表格所提供的個人資料將僅用於處理本次債務重組諮詢申請及相關評估事宜。本中心嚴格遵守香港法例第486章《個人資料（私隱）條例》之規定，採取一切切實可行的步驟確保閣下的資料絕對保密及安全。有關資料的收集、使用、保留及銷毀程序，均完全符合上述條例及個人資料私隱專員公署（www.pcpd.org.hk）之指引。除獲閣下書面授權或法律規定外，本中心不會將閣下的個人資料披露予任何第三方。

The personal data provided by you herein will be used solely for the purpose of processing this debt restructuring consultation application and related assessment. We strictly adhere to the provisions of the Personal Data (Privacy) Ordinance (Cap. 486) of the Laws of Hong Kong regarding the collection, use, retention, and security of your data. All data handling practices are in full compliance with the guidelines issued by the Office of the Privacy Commissioner for Personal Data (www.pcpd.org.hk). Your information will be kept strictly confidential and will not be disclosed to any third parties without your consent, except as required by law.

方案比較COMPARISON

選擇適合您的解決方案

Choose the Right Solution

破產Bankruptcy

Bankruptcy破產
  • 債務可獲全數豁免Debts may be fully discharged
  • 破產期4年，紀錄保留8年4-year bankruptcy, 8-year record
  • 不得擔任公司董事Cannot be company director
  • 部分行業受限Career restrictions
  • 資產或被變賣Assets may be sold

個人自願安排 (IVA)IVA

Individual Voluntary Arrangement個人自願安排
  • 避免破產紀錄Avoid bankruptcy record
  • 債務可削減30-70%Reduce debt by 30-70%
  • 保留工作及專業資格Keep job & qualifications
  • 法庭認可，具法律約束力Court-approved, binding
  • 統一處理所有債權人All creditors handled

債務紓緩 (DRP)DRP

Debt Relief Plan債務紓緩計劃
  • 無需法庭程序No court proceedings
  • 處理較快（1-2個月）Faster (1-2 months)
  • 費用較低Lower cost
  • 需逐一與債權人協商Negotiate each creditor
  • 不具法律強制約束力Not legally binding

公共資源RESOURCES

相關政府部門及支援機構

Government & Support Organizations

破產管理署Official Receiver's Office

處理個人破產及公司清盤事宜的政府部門。

Government department handling bankruptcy and winding-up matters.

www.oro.gov.hk
2867 2448

香港司法機構HK Judiciary

處理IVA申請的法院。

Court handling IVA applications.

www.judiciary.hk
2869 0869

法律援助署Legal Aid Department

為符合資格人士提供法律援助。

Legal aid services for eligible persons.

2537 7677
www.lad.gov.hk

社會福利署Social Welfare Department

提供綜合家庭服務及經濟援助計劃。

Family services and financial assistance schemes.

2343 2255 (24小時hr)
www.swd.gov.hk

明愛向晴軒Caritas Family Crisis Centre

提供危機介入、情緒支援及債務輔導服務。

Crisis intervention, emotional support and debt counseling.

18288 (24小時hr)
fcsc.caritas.org.hk

香港家庭福利會HK Family Welfare Society

提供家庭服務及財務輔導。

Family services and financial counseling.

2527 3171
www.hkfws.org.hk

撒瑪利亞防止自殺會The Samaritans

24小時情緒支援熱線服務。

24-hour emotional support hotline.

2389 2222 (24小時hr)
www.samaritans.org.hk

生命熱線Suicide Prevention Hotline

24小時預防自殺及情緒支援。

24-hour suicide prevention and support.

2382 0000 (24小時hr)
www.sps.org.hk

利民會即時通Richmond Fellowship Hotline

精神健康支援及輔導熱線。

Mental health support and counseling.

3512 2626
www.richmond.org.hk

FAQ

常見問題

Frequently Asked Questions

當債務人：(1) 無力按現有條款償還債務；(2) 有穩定收入；(3) 希望避免破產帶來的職業限制；(4) 債務金額較大或債權人較多。IVA通常可削減30-70%債務。When debtors: (1) Cannot repay under current terms; (2) Have stable income; (3) Wish to avoid career restrictions of bankruptcy; (4) Have larger debt or multiple creditors. IVA typically reduces 30-70% of debt.
主要分別：(1) 破產紀錄保留8年，IVA無破產紀錄；(2) 破產期間不得擔任董事，IVA無此限制；(3) 破產資產可被變賣，IVA通常可保留資產；(4) 破產期4年，IVA較靈活。Key differences: (1) Bankruptcy record lasts 8 years, IVA has no bankruptcy record; (2) Bankruptcy restricts directorship, IVA doesn't; (3) Bankruptcy may liquidate assets, IVA usually preserves them; (4) Bankruptcy is 4 years, IVA is more flexible.
基本條件：(1) 有穩定收入；(2) 無力按現有條款還債；(3) 獲75%或以上債務金額的債權人同意；(4) 委任合資格代名人。申請人需向法庭提交建議書，經債權人會議通過後具法律約束力。Requirements: (1) Stable income; (2) Unable to repay under current terms; (3) Approval from creditors holding 75%+ of debt; (4) Appoint qualified nominee. Applicants submit proposal to court, becomes binding after creditor meeting approval.
選擇取決於：(1) DRP適合債權人少（1-3個），較快完成；(2) IVA適合債權人多、債務大，有法律保障；(3) DRP無需法庭，費用低但無法律約束力；(4) IVA經法庭認可，一旦通過所有債權人受約束。Choice depends on: (1) DRP suits fewer creditors (1-3), faster; (2) IVA suits more creditors/larger debt, legally protected; (3) DRP has no court process, lower cost but not binding; (4) IVA is court-approved, binds all creditors once passed.
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