?????????,???????? ????????????????????????????????????????!???,?10???3?????????????????????70%?????,?????????????! ?????????????? ?????????:???????? 1?? **IVA??????|????????** ???????,?????????IVA(Individual Voluntary Arrangement)????????????????,?????????,?????? ? ????:?????·?????·?????? ?? ????:????????300???,????5??1.8?,3???????! 2?? **DRP??????|???????** ????????????DRP(Debt Relief Plan)??1-3????,???????????,????????? ? ????:????????·??????? ?? ????:???????,??????????? 3?? **??|???????** ?????????…???????????????,4??????,?????????????????? ???????????? ????:?????·??????? ?? ????:??????????,?????? ?????????????? ???????!???????? ??????????????? ? ??:????????????,??????????? ???????????????? ? ??:2023????,???????,????????? ????????????? ? ??:8??????????!?????????????? ?????????????? ?????????|?????? ?? **STEP 1:?????** ????APP???????,5????: - ???????? - ??????? - ???????? ?? **STEP 2:??????** ??????????: ????????????,????????…? ????????,????????? ?? **STEP 3:??????** ???????????: ????«???????»?12???,??????? ?????,?????????????? ?????????????? ?????????|???????? ??A|??????? ??200??????IVA ? ?????? ? ?????????? ? ??????30% ??B|???????? ??500??????????? ? 4???????????? ? ????????????? ?????????????? ???QA???|????????** Q:??????,?????????? A:?!?????????????????? Q:??????,????? A:????????????,??????????? Q:??????????????? A:?????,IVA????????????(???) ?????????????? ?????????|????????** ?? ????«??????»??? ?? ????????(?30????) ?? ????????????? ??????????,??????????! ?? ??:?????????????????,????! ???????,??????????? ????????,??????????????????,?????????????,????????????,???????,??????????????
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