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It’s best to pay mortgage loan or rent arrears individually to your IVA - this could quit you getting rid of your home.欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期In the event your earnings goes up while you have an IVA, you have to declare it towards