This is a low fixed fee for professional assessment, lender matching, and application support. No success-based fees; we earn from lender partnerships if approved. Actual loan terms (interest, amount, tenor) depend on the lender's approval.
This is a fixed annual fee for standard personal services (suitable for individuals with simple finances, e.g., salary income + debt repayments). Additional complex needs (e.g., investment tracking, multiple properties) may incur extra charges quoted sepa
The Individual Voluntary Arrangement (IVA) is a court-supervised, legally binding agreement between you and your creditors to repay a portion of your debts over a fixed period (usually 4–6 years), with
The Debt Relief Plan (DRP) is a flexible, out-of-court arrangement to consolidate and restructure your debts with creditors (often banks and finance companies), reducing interest rates and monthly paym
The Interbank Debt Relief Plan (IDRP), supported by the Hong Kong Monetary Authority (HKMA) and industry associations, is a standardized, digitized framework for individuals struggling with unsecured c
Bankruptcy is a formal legal process under the Bankruptcy Ordinance where, upon court approval of a debtor's or creditor's petition, your debts are managed by the Official Receiver or trustee, leading to eventual discharge (typically after 4–8 years). It