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An IVA is often a lawfully binding agreement arrange among you and your creditors for you to repay an amount you may pay for in excess of a hard and fast stretch of time; typically all-around 5 years. It makes it possible for any unsecured debts being written off at the conclusion of the IVA.[ 嚴正聲明 ] 鑑於近日發現有來歷不明人士�