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The knowledge on this Internet site is for reference only and may be updated every now and then. For information, be sure to Speak to欠債人毋須經法律程序，可直接與債主商量，重新制訂雙方都可接納的還款方案，例如減息或延長還款年期Introduced into legislation as Portion of the Insolvency Act in 1986, IVAs a