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保留財產:欠債人在債務重組期間,能夠保留財產,包括房地產和銀行帳戶,有助於保持經濟穩定。An IVA has to be put in place by a qualified human being, identified as an insolvency practitioner. The insolvency practitioner will cost expenses for that IVA.日常生活:破產可能對個人生活產生更大的�