An IVA will have an impact on your credit rating score because it might be recorded in your credit score file for 6 a long time with the date it's agreed. 債務重組和破產是處理財務困境的兩種不同方法。債務重組是債務人與債權人協商修改還款條件，例如延長還款期限、減少債務總額等，以便債務人有能力按新條件償還債務。破產則是經法院程序，由破產管理署署長或受託人管理債務人財產，以償還債權人債務。... https://sethnbnwg.bleepblogs.com/30310337/drp是什-secrets-drp-iva-top