在某種壓力在哪裡可以經濟意外出現，很多人努力應對債務重組。感覺不知所措是令人生畏的，然而消息那是好的有幾種途徑提供給協助一個恢復您的立足點。本指南會為您提供摘要三個重要的選擇 - 自願那是個人（IVA），債務減免計劃（DRP）和破產 -設計為提供救濟和通往貨幣恢復的道路。 一個人自願安排（IVA）只是正式，合法約束合同你和你的債權人。這個程序允許您償還金額你欠以一種方式那是適合您的可行財務狀況。通常持久三到五多年，一個IVA允許您進行負擔得起的還款那是每月在收益。幾個鑰匙好處iva是事實完成還款期限後，任何剩餘的債務那是不保證通常會註銷，給你一個全新的開始減去揮之不去的義務負擔。 相反，債務減免計劃（DRP）提供了一種方法那是明顯不同集中精力與債權人談判削減完整的總數欠債務重組。該程序是特別的有幫

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