If you are not willing to use a debt Alternative or you can't afford to pay for to at this time, The federal government-backed Respiration Room scheme could Offer you beyond regular time. 債務重組和破產是處理財務困境的兩種不同方法。債務重組是債務人與債權人協商修改還款條件，例如延長還款期限、減少債務總額等，以便債務人有能力按新條件償還債務。破產則是經法院程序，由破產管理署署長或受託人... https://drp99887.theblogfairy.com/29344538/indicators-on-iva-you-should-know-debts-ctr-hk