Case Study
We successfully handled numerous debt restructuring cases
Since our company established 10 years ago, HKDRS professional team has successfully handled countless debt restructuring cases, helping our customers get rid of their debt troubles, greatly reducing the repayment pressure and improving their livings. Meanwhile, we continue to optimize various solutions to improve efficiency and success rate to achieve 100% success in solving debt problems for every customer, so that our customers can deal with the financial difficulties successfully through our professional services. Our company has experience in a lot of different debt restructuring cases. For example, individual DRP cases require careful evaluation by the commissioner and direct negotiation with the relevant creditors each time before we can find the most suitable solution to proceed.
IVA, DRP and IDRP case references:
| 債務重組前 | 債務重組後 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 個案 | 姓別 | 職業 | 月入 | 債權人數目 | 方案 | 總欠款 | 每月還款 | 每月利息開支 | 期數 | 每月供款 | 每月利息開支 |
| 1 | 女(34歲) | 文員 Clerk | HK$21,300 | 4 | IVA | 669431 | 27084 | 12667 | 84 | 11651 | 3682 |
| 2 | 男(48歲) | 保安 Security guard | HK$13,000 | 2 | DRP | 251778 | 10071 | 6589 | 52 | 5093 | 251 |
| 3 | 男(40歲) | 倉務員 Warehouse Clerk | HK$19,200 | 4 | IVA | 586015 | 19602 | 9605 | 96 | 8448 | 2344 |
| 4 | 男(42歲) | 教師 Teacher | HK$34,300 | 3 | DRP | 627800 | 21455 | 12781 | 48 | 13769 | 690 |
| 5 | 女(33歲) | 美容顧問 Beauty Consultant | HK$23,000 | 5 | DRP | 468213 | 17853 | 9203 | 66 | 7797 | 702 |
| 6 | 男(39歲) | 司機 Driver | HK$19,000 | 3 | IVA | 578301 | 23020 | 13300 | 53 | 13282 | 2371 |
| 7 | 男(28歲) | 建築工人 Construction Worker | HK$17,300 | 5 | DRP | 347286 | 13891 | 9098 | 53 | 7247 | 694 |
| 8 | 男(47歲) | 銀行高層 Bank Executive | HK$75,800 | 5 | IDRP | 1838032 | 68127 | 34074 | 72 | 30300 | 5733 |
| 9 | 男(30歲) | 售貨員 Salesperson / Sale Assistant | HK$18,500 | 2 | DRP | 462880 | 18515 | 12127 | 60 | 8177 | 462 |
| 10 | 女(35歲) | 補習老師 Tutor | HK$30,100 | 4 | IVA | 665208 | 27001 | 8567 | 84 | 11365 | 3446 |
| 11 | 女(26歲) | 客戶服務員 Customer Service Officer | HK$16,250 | 2 | DRP | 325411 | 11063 | 6508 | 60 | 5423 | 0 |
| 12 | 男(33歲) | 助理文員 Assistant Clerk | HK$15,100 | 3 | IVA | 347556 | 15640 | 7646 | 66 | 6934 | 1668 |
| 13 | 男(54歲) | 退休警務人員 Retired Police Officer | HK$26,300 | 6 | IDRP | 757453 | 25317 | 7655 | 82 | 11838 | 2635 |
| 14 | 女(46歲) | 傳播媒體 Media | HK$24,100 | 6 | DRP | 609363 | 34179 | 13980 | 72 | 11639 | 2785 |
| 15 | 男(37歲) | 廚師 Chef | HK$21,500 | 3 | IVA | 473228 | 14670 | 8122 | 84 | 7668 | 2034 |
| 16 | 女(28歲) | 註冊護士 Registered Nurse | HK$30,500 | 8 | IDRP | 1169843 | 33850 | 9011 | 72 | 19456 | 3208 |
| 17 | 男(44歲) | 地盤主管 Site Supervisor | HK$22,500 | 5 | IVA | 632469 | 21938 | 12445 | 84 | 10249 | 2719 |
| 18 | 女(34歲) | 文員 Clerk | HK$15,400 | 6 | DRP | 453000 | 12750 | 7527 | 60 | 8925 | 1375 |
| 19 | 男(42歲) | 註册護士 Registered Nurse | HK$49,200 | 7 | DRP | 1719985 | 42787 | 23602 | 96 | 25510 | 7684 |
| 20 | 女(26歲) | 保險從業員 Insurance Agent | HK$16,000 | 6 | DRP | 352875 | 12936 | 5285 | 49 | 7620 | 398 |
| 21 | 男(34歲) | 髮型師 Hair Stylist | HK$21,500 | 3 | IVA | 378891 | 16778 | 6788 | 60 | 7944 | 1628 |
| 22 | 男(45歲) | 董事 Director | HK$30,800 | 15 | DRP | 923824 | 38303 | 22275 | 68 | 15345 | 1759 |
| 23 | 男(35歲) | 採購部經理 Merchandising Manager | HK$35,500 | 8 | DRP | 997639 | 33368 | 17161 | 86 | 17161 | 5625 |
| 24 | 男(33歲) | 銀行職員 Bank Clerk | HK$24,200 | 6 | IVA | 568322 | 21385 | 9588 | 60 | 11751 | 2278 |
| 25 | 男(36歲) | 售貨員 Salesperson/ Sales Assistant | HK$16,500 | 1 | DRP | 290580 | 12087 | 7613 | 48 | 7128 | 1075 |
| 26 | 女(43歲) | 銷售經理 Sales Manager | HK$42,500 | 4 | DRP | 1182053 | 36820 | 19045 | 72 | 18663 | 2245 |
| 27 | 男(29歲) | 服務員 Waiter | HK$11,000 | 3 | IDRP | 299744 | 9530 | 5772 | 60 | 5895 | 899 |
| 28 | 男(36歲) | 調酒師 Bartender | HK$15,230 | 4 | IVA | 403556 | 14931 | 8071 | 72 | 7461 | 1856 |
| 29 | 女(29歲) | 會計文員 Accounting Clerk | HK$19,300 | 2 | DRP | 385519 | 16778 | 5785 | 60 | 6425 | 0 |
| 30 | 男(44歲) | 自僱人士 Self-employed | HK$30,000 | 7 | DRP | 907782 | 35277 | 17045 | 78 | 13363 | 1845 |
| 31 | 男(47歲) | 司機 Driver | HK$18,000 | 4 | DRP | 682885 | 17885 | 7690 | 56 | 12877 | 682 |
| 32 | 女(33歲) | 美容顧問 Beauty Consultant | HK$34,550 | 9 | IVA | 1056430 | 33801 | 13410 | 60 | 21832 | 4225 |
| 33 | 男(42歲) | 廚師 Chef | HK$21,000 | 5 | IVA | 585532 | 18565 | 8066 | 72 | 10474 | 2342 |
| 34 | 男(45歲) | 教師 Teacher | HK$29,450 | 6 | DRP | 893556 | 26808 | 11590 | 66 | 15325 | 1787 |
| 35 | 女(25歲) | 接待員 Receptionist | HK$13,800 | 3 | DRP | 465882 | 13976 | 6820 | 72 | 6470 | 0 |
| 36 | 男(33歲) | 售貨員 Salesperson/ Sales Assistant | HK$14,500 | 2 | DRP | 310768 | 9323 | 3210 | 55 | 6427 | 776 |
| 37 | 男(48歲) | 董事 Director | HK$78,500 | 8 | IVA | 2310078 | 83523 | 30228 | 84 | 36741 | 9240 |
| 38 | 男(36歲) | 設計師 Designer | HK$24,000 | 3 | DRP | 485562 | 19550 | 7355 | 72 | 7909 | 1165 |
| 39 | 男(55歲) | 保安 Security Guard | HK$14,500 | 3 | DRP | 263359 | 12893 | 5677 | 60 | 4916 | 526 |
| 40 | 女(40歲) | 美容顧問 Beauty Consultant | HK$24,220 | 4 | DRP | 612489 | 19385 | 8574 | 72 | 9827 | 1321 |
| 41 | 男(30歲) | 技術員 Technician | HK$19,500 | 2 | DRP | 419034 | 16761 | 8380 | 66 | 7396 | 1047 |
| 42 | 男(39歲) | 分店經理 Branch Manager | HK$31,250 | 5 | DRP | 1210893 | 38260 | 18905 | 94 | 16946 | 4064 |
| 43 | 女(38歲) | 售貨員 Salesperson/ Sales Assistant | HK$28,050 | 7 | IVA | 630849 | 27112 | 12085 | 53 | 14426 | 2523 |
| 44 | 男(34歲) | 自僱人士 Self-employed | HK$21,500 | 2 | DRP | 424889 | 18775 | 8741 | 60 | 8781 | 0 |
| 45 | 男(31歲) | 文員 Clerk | HK$16,500 | 3 | IDRP | 321987 | 13879 | 6210 | 60 | 6654 | 1287 |
| 46 | 男(36歲) | 保險從業員 Insurance Agent | HK$24,000 | 3 | DRP | 586301 | 18923 | 8123 | 72 | 9315 | 1172 |
| 47 | 男(32歲) | 司機 Driver | HK$21,300 | 2 | DRP | 396771 | 16535 | 6823 | 58 | 6841 | 0 |
| 48 | 女(34歲) | 助理文員 Assistant Clerk | HK$13,000 | 3 | DRP | 283903 | 10234 | 3515 | 60 | 5299 | 567 |
| 49 | 男(44歲) | 地盤 Site Worker | HK$26,000 | 6 | IVA | 783651 | 21390 | 8577 | 84 | 12777 | 3448 |
| 50 | 男(36歲) | 經理 Manager | HK$58,500 | 8 | DRP | 1458983 | 49448 | 18976 | 84 | 20286 | 2917 |
