會。若欠債人沒有如實申報所持有物業或其他資產，便有機會令債務重組的申請失敗，而且根據香港法例，在申請債務重組時，須委任代名人向其債權人提出償還債務建議，如果所委任的代名人沒有專業資格，亦有機會申請失敗。 To acquire an IVA, you need to have some spare earnings on a monthly basis to pay your creditors, normally at least £one hundred. Your creditors are not likely to accept an IVA When yo... https://iva00000.bloggip.com/29780120/債務重組邊間-no-further-a-mystery-hkiva-top