破產

Hong Kong

Bankruptcy Consultancy Center

香港破產諮詢中心

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唔夠錢破產 ? 為你解答任何破產問題 - 

Tel : 3486 6820 / WhatsApp : 5993 0764

破產申請步驟1

破產

破產事前及事後都有各類事情需要留意並小心處理,避免日後還有其它事情需檢控或留下不良記綠。
例如:(破產前)-即頒布破產前、(破產後)-即頒布破產令後直至破產解除。無論在破產入紙申請、追債問題、銀行戶口、日後的收支申報、聯名物業、離港事情、新工作的通知等,在申報破產途中都要特別留意,因為這些都會被進行檢查及記錄。

 

除此以外,我們HKBC破產咨詢中心會去您們解答有關常見破產問題及相關申請事宜,大家可以在以下各分類進一步了解。

咨詢

破產申請-破產解徐證明書申請.jpg

破產申請

為何選擇香港破產諮詢中心幫您破產申請?

香港破產諮詢中心HKBC成立於2011年,由前破產主任高輝先生(Ken Ko)成立。慿著高輝先生對破產上的專業知識及相關破產程序,至今已處理超過數千宗有關債務上的案件,經驗豐富,為香港市民一起解決債務上的問題,走出困境,是您的專業破產申請中心。

HKBC詳細解答破產前應注意的特別事項及問題

  1. 新借外債

  2. 保險安排

  3. 每間債權人(銀行/財務)會否立刻停止追收

  4. 破產費用不足夠

  5. 破產後破產署信件安排

 
破產問題

破產常見問題

以下是一般債務人最常見的破產問題

How much time does Formula EQ take? I’m scared I can’t be 100% dedicated.


Formula EQ is designed to be 100% at your own pace. To start, just choose one thing you’d like to focus on from the 5 Areas of Well-Being. When you’ve mastered one, add another. It’s as simple as that. Engage with the weekly workshops and meditations, even if it’s 30 minutes per week. You are never behind, and you are never late. It takes on average 12 months to complete the training but many members stay in Formula EQ Community indefinitely, becasue there is always something new to learn. Register for your 1 month FREE trial




How can I benefit from this Formula EQ program?


The program is a comprehensive, step-by-step roadmap to achieving elevated well-being and wisdom. There’s no bounds to what you can learn with Formula EQ. Expect slow, drastic, radically good change. - Learn Peak Mindset - Learn Emotional Resilience - Learn latest scientific methods on goal achievement - Improve your rela - Get appointed accountability partner to support you on your journey - Improve your mental and physical health - Achieve the elevated states of self-love, self-confidence, inner peace, health, vitality, prosperity and bliss. Register for your 1 month FREE trial




How exactly does Formula EQ work?


Formula EQ live workshops take place in our private group on Zoom every Friday at 8am PST / 4pm BST Each workshop is 60 minutes long. We publish the schedule of upcoming workshops on our website, Facebook group and WhatsApp group. If you miss the lives, you can access the recordings on the members-only site Formula EQ workshops revolve around the 5 Areas of Well-Being: personal, health, relationships, spirituality, and work and finance. Learn the Secrets of unlocking the power of your mind!
Formula EQ ™ team will get you out of your comfort zone, push you beyond your limitations, and challenges your very perception of reality. Combining cutting-edge science, inspiring lectures, real-life case studies, and powerful meditations, the information provided in our events can be applied to overcome challenges in any area of your life.
We are experts on Change, Positive Transformation and Peak Performance. Register for your 1 month FREE trial




Will I be able to take full advantage of the program, even if I don’t live in the UK or USA?


Absolutely. All video workshops and meditations are online on our website. We have many memebers living in over 30 countries. Register for your 1 month FREE trial




I don’t have Zoom. Can I still watch Formula EQ live workshops?


Yes, All Formula EQ live workshops can also be found on the members-only site. Register for your 1 month FREE trial




Can I have a one-on-one session with Eldin Hasa & Preston Weeks?


Yes, you can book a private one-on-one coaching session with Eldin and Preston. Get in touch by email Eldin: eldin@formulaeq.com Preston: preston@formulaeq.com Cost: $333 per hour for private session - 30% discount for Formula EQ Community memebers. Please Note: Formula EQ Community is group coaching, but you can interact with Eldin & Preston and ask questions during the live workshops. Register for your 1 month FREE trial




What do I get inside Formula EQ Community monthly membership?


WEEKLY VIDEO WORKSHOPS Can’t make it live? No problem. Video workshops and meditations are available 24/7 for Formula EQ members. Weekly teachings to achieve the elevated states of self-love, self-confidence, inner peace, health, vitality, prosperity and bliss. You will:

  1. Learn Emotional Resilience
  2. Learn Peak Mindset
  3. Learn latest scientific methods on goal achievement
  4. Learn how to up regulate your gene expression for healing and longevity
  5. Get appointed accountability partner to support you
  6. Get training videos and articles for additional support
  7. Learn Kundalini Meditation and experience everlasting Bliss, Joy and Happiness
  8. Learn Self-Love Meditation
ONLINE COMMUNITY When you become a member of Formula EQ Community, you become a member of a tight-knit community dedicated to positive transformation, well-being and wisdom. GUIDED MEDITATION SESSIONS Each workshop contains a guided meditation focused on centering your mind, calming your body, and reaching your soul. Register for your 1 month FREE trial





How much time does Formula EQ take? I’m scared I can’t be 100% dedicated.


Formula EQ is designed to be 100% at your own pace. To start, just choose one thing you’d like to focus on from the 5 Areas of Well-Being. When you’ve mastered one, add another. It’s as simple as that. Engage with the weekly workshops and meditations, even if it’s 30 minutes per week. You are never behind, and you are never late. It takes on average 12 months to complete the training but many members stay in Formula EQ Community indefinitely, becasue there is always something new to learn. Register for your 1 month FREE trial




How can I benefit from this Formula EQ program?


The program is a comprehensive, step-by-step roadmap to achieving elevated well-being and wisdom. There’s no bounds to what you can learn with Formula EQ. Expect slow, drastic, radically good change. - Learn Peak Mindset - Learn Emotional Resilience - Learn latest scientific methods on goal achievement - Improve your rela - Get appointed accountability partner to support you on your journey - Improve your mental and physical health - Achieve the elevated states of self-love, self-confidence, inner peace, health, vitality, prosperity and bliss. Register for your 1 month FREE trial




How exactly does Formula EQ work?


Formula EQ live workshops take place in our private group on Zoom every Friday at 8am PST / 4pm BST Each workshop is 60 minutes long. We publish the schedule of upcoming workshops on our website, Facebook group and WhatsApp group. If you miss the lives, you can access the recordings on the members-only site Formula EQ workshops revolve around the 5 Areas of Well-Being: personal, health, relationships, spirituality, and work and finance. Learn the Secrets of unlocking the power of your mind!
Formula EQ ™ team will get you out of your comfort zone, push you beyond your limitations, and challenges your very perception of reality. Combining cutting-edge science, inspiring lectures, real-life case studies, and powerful meditations, the information provided in our events can be applied to overcome challenges in any area of your life.
We are experts on Change, Positive Transformation and Peak Performance. Register for your 1 month FREE trial




Will I be able to take full advantage of the program, even if I don’t live in the UK or USA?


Absolutely. All video workshops and meditations are online on our website. We have many memebers living in over 30 countries. Register for your 1 month FREE trial




I don’t have Zoom. Can I still watch Formula EQ live workshops?


Yes, All Formula EQ live workshops can also be found on the members-only site. Register for your 1 month FREE trial




Can I have a one-on-one session with Eldin Hasa & Preston Weeks?


Yes, you can book a private one-on-one coaching session with Eldin and Preston. Get in touch by email Eldin: eldin@formulaeq.com Preston: preston@formulaeq.com Cost: $333 per hour for private session - 30% discount for Formula EQ Community memebers. Please Note: Formula EQ Community is group coaching, but you can interact with Eldin & Preston and ask questions during the live workshops. Register for your 1 month FREE trial




What do I get inside Formula EQ Community monthly membership?


WEEKLY VIDEO WORKSHOPS Can’t make it live? No problem. Video workshops and meditations are available 24/7 for Formula EQ members. Weekly teachings to achieve the elevated states of self-love, self-confidence, inner peace, health, vitality, prosperity and bliss. You will:

  1. Learn Emotional Resilience
  2. Learn Peak Mindset
  3. Learn latest scientific methods on goal achievement
  4. Learn how to up regulate your gene expression for healing and longevity
  5. Get appointed accountability partner to support you
  6. Get training videos and articles for additional support
  7. Learn Kundalini Meditation and experience everlasting Bliss, Joy and Happiness
  8. Learn Self-Love Meditation
ONLINE COMMUNITY When you become a member of Formula EQ Community, you become a member of a tight-knit community dedicated to positive transformation, well-being and wisdom. GUIDED MEDITATION SESSIONS Each workshop contains a guided meditation focused on centering your mind, calming your body, and reaching your soul. Register for your 1 month FREE trial





 

HKBC 文章分享

HKBC 服務範圍

破產

破產服務

+ 破產前 (即頒布破產前)

+ 破產後 (破產令後至破產解除)

+ 破產申請所需資料

破產申請

4年跟進服務

破產4年內跟進服務,現推出破產後支援服務,協助處理上述問題。服務詳情如下:

+ 破產令頒布前

+ 破產令頒布後

破產申請問題

破產常見問題

+ 破產申請須時多久?
+ 破產會否通知僱主?
+ 破產可否乘搭的士?
+ 破產後可否往海外旅行?
+ 破產前我轉移財產,將會怎樣?

解除破產證明書

破產解除證明書

破產解除證明書,可以解决破產後在生活上問題,本公司現推出破產解除證明書申請服務。

破產流程

破產流程
- 債務人提供有關債項等資料,擬定破產呈請文件。   
 
第一日
- 安排宣誓,並將破產呈請文件提交法庭存檔。即時取得臨時破產令並通知債權人停止追數

第二日
- 替戶口進行解凍(如有需要)
- 一個月法庭頒佈一般正式破產令。

 
 
破產後果
解答破產疑問

破產的後果 ?

當法庭頒布破產令後,沒有法庭的許可下,債務人不能對破產人或宣佈破產公司其資產採取或繼續進行法律行動及追討欠款。破產管理署署長會將有關破產令刊登在憲報和兩份中及英2份報章上。

 

受託人可由破產管理署署長擔任,並會接管破產人的資產,並將有關資產變賣套現以償還債項,破產人亦可能要將部分現有收入交予受託人作還債之用。在必要情況下,受託人或破產管理署職員有權進入破產人的居所進行檢查。 

 

破產人的存款公積金一般會被視為其資產的一部分。另外,按高等法院的過往一宗案例所訂,透過自置居所貸款計劃及借貸的公務員一旦破產,其薪酬及退休金均為已給予政府的抵押品。

 

在變賣破產人的資產及扣除有關行政開支後,受託人 / 破產管理署職員便會以派發債款形式把剩餘款項分發給各債權人。至於破產人於破產期內的收入,在扣除其本人及其家庭成員的合理生活開支後,有關餘款亦會被分發給各債權人

破產人可否在沒有任何限制的情況下離港外遊?

 

法例沒有明文規定,破產人離開香港時必須通知受託人有關行程及其聯絡處。不過,法例亦有約束這種離境做法,即是在破產人士離境期間,計算自動解除破產令之有關時期隨即終止,直至該破產人將其返港一事通知受託人之時才再開始計算。縱然破產人有權在不發出任何通知的情況下離港外遊,他仍需承受法例規定下的負面後果。(例子如下,如果破產人在不通知受託人的情況下離港1個月,其自動解除破產令的日期亦會延遲1個月=等同離港日期。)

 

若破產人因工作、旅遊或任何其他原因需要經常短暫離港,在可行的情況下,他或可以就未來計劃離港的行程一次過通知受託人,而毋須逐次作出通知。

 

就計算離港及破產時期而言,離港不足一日的時間通常不會計算在內。另外,如果破產人在不通知受託人的情況下離港,其計算自動解除破產令的時期會一直延遲,直至破產人返港後再通知受託人之時為止。換言之,若破產人一直未將其返港一事通知受託人,其解除破產令的日期可能會無限期延遲

 

破產人對其它家庭成員影響 ?

 

舉例,如物業的聯名擁有人或聯名銀行戶口的持有人,破產人的家庭成員毋須承擔破產人的債項。如果破產人和配偶聯名擁有一層樓,破產人就該聯名物業所佔的業權或會被套現還債。如破產人與其家庭成員持有聯名銀行戶口,屬於破產人那部分的存款將可能會被提取作償還債項。