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。 While it isn’t extremely hard to pass a credit score Look at although within an IVA, it'll remain in your credit rating file for 6 a long time within the date it had been authorised, w... https://judahvisdo.nizarblog.com/29845272/the-definitive-guide-to-債務重組邊間好-drpiva-top