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。 Your insolvency practitioner - a certified lawyer or accountant, will advise you on what payments to generate. You need to only comply with payments you're thinking that you can afford. 一般銀行只要求債務人變賣可套現資產物業，以減... https://drp11100.activablog.com/29195324/top-latest-five-債務舒緩成功-urban-news-hkiva-top