持不反對申請證明到高等法院登記處，取得誓章表格。如果需要英文版本的破產解除證明書，則需使用英文誓章進行申請； They also work as an middleman among both you and your creditors. Only seventy five% of one's creditors need to comply with the repayment system to the IVA to proceed. 日常生活：破產可能對個人生活產生更大的影響，包括居住地、交通工具等方面的變化，而債務重組的影響通常較小。 Any b... https://drp09998.jts-blog.com/29036103/detailed-notes-on-債務舒緩-hkdrp-top