會。若欠債人沒有如實申報所持有物業或其他資產，便有機會令債務重組的申請失敗，而且根據香港法例，在申請債務重組時，須委任代名人向其債權人提出償還債務建議，如果所委任的代名人沒有專業資格，亦有機會申請失敗。 In case you own your own home, its worth will be taken into consideration as part of the IVA. You’ll have to obtain a valuation of your own home to find out how Substantially equity is... https://cesarhtdny.blogdanica.com/29788308/new-step-by-step-map-for-債務重組-iva-ctr-hk