Case Studies
In-depth analysis and insights
Self-Employed Completes IVA with Creditor Approval
Ms. Cheung, 38, self-employed freelancer with variable HK$25,000–35,000 monthly income, had HK$520,000 debt from business loans and cards. IVA proposa...
2025-11-12
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Young Professional Discharged from Bankruptcy and Rebuilds Finances
Mr. Wong, 32, an IT specialist earning HK$38,000 monthly, entered bankruptcy in late 2024 after HK$920,000 debts from business failure and loans becam...
2025-10-23
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Office Worker Successfully Completes IVA and Avoids Bankruptcy
Ms. Lee, 35, an office clerk earning HK$22,000 monthly, accumulated HK$680,000 in unsecured debts from credit cards and personal loans amid rising liv...
2025-06-03
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Mid-Level Manager Achieves Debt Relief via Interbank DRP
Mr. Chan, 40, a sales manager with HK$45,000 monthly income, faced HK$1,050,000 debt across multiple banks due to investment losses and high-interest ...
2025-03-16
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Family Breadwinner Relieved Through DRP Consolidation
Mr. Ho, 45, construction supervisor earning HK$32,000 monthly, consolidated HK$780,000 multi-creditor debt via DRP (low interest, extended term). Paym...
2024-07-03
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Retired Worker Discharged After Bankruptcy and Stabilizes
Mr. Lam, 62, retired with pension income, filed bankruptcy in 2024 for HK$450,000 medical/loan debts. After full cooperation and minimal asset realiza...
2024-04-27
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