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。 They also act as an intermediary between you and your creditors. Only seventy five% of your respective creditors ought to comply with the repayment plan for the IVA to commence. 香港有... https://keeganpdozk.weblogco.com/29790291/facts-about-債務重組邊間-revealed-ivadrp-top