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2024年4月23日 · 影響信貸評級：破產通常會導致信用評級的急劇下降，而重組的影響則較為溫和。. 債務重組過程中，信貸評級可能受到影響，而在清還貸款前，欠債人不能再借貸或申請信用卡。. 需要定期還款：債務重組與債權人達成協議後，需按協議定期還款，為期3至7年 ...
2024年4月23日 · 債務重組和破產的影響. 紀錄在案：債務重組紀錄與破產個案一樣會登記在破產管理署的名冊上，公眾可隨時查閱，但相對於破產，債務重組影響通常較小。. 職途限制：破產有機會影響個人職業生涯，引致無法擔任某些管理層職位，或從事特定行業的工作，部份 ...
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