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For getting an IVA, you need to have some spare income each month to pay your creditors, commonly at the very least £a hundred. Your creditors are unlikely to just accept an IVA When your payments are under that.申請債務重組失敗後可以選擇申請結餘轉戶，以低息的貸款償還原有較高息的債務。If you decide you ought to