債務重組涉及與各債權人協商新的還款方案，以緩解原有債務負擔。然而，由於新的協議可能損害債權人的利益，因此欠債人和債權人之間達成重組協議並非易事。常見的個人債務重組計劃條款一般如下： If the creditors conform to the IVA, when it is set up, you could make a monthly payment to your insolvency practitioner, who will then fork out the agreed quantity to every of the creditors. 是兩種不同的財... https://drp34443.laowaiblog.com/29080873/the-definitive-guide-to-iva-ivadrphk-top