關於債務更生 的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E5%82%B5%E5%8B%99%E6%9B%B4%E7%94%9F/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/債務更生/</link> <description></description> <lastBuildDate>Fri, 20 Sep 2024 02:28:58 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//danaherbertts.shop/wp-content/uploads/2021/01/icon-150x150.png</url> <title>關於債務更生 的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/債務更生/</link> <width>32</width> <height>32</height> </image> <item> <title>債務更生是什麼？聲請流程、生活限制一次看?/title> <link>//danaherbertts.shop/debt-rehabilitation/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Mon, 18 Sep 2023 07:09:11 +0000</pubDate> <category><![CDATA[申貸須知]]></category> <category><![CDATA[債務更生]]></category> <category><![CDATA[債務更生6年可提前還完嗎]]></category> <category><![CDATA[債務更生容易嗎]]></category> <category><![CDATA[債務更生後果]]></category> <category><![CDATA[債務更生條件]]></category> <category><![CDATA[債務更生缺點]]></category> <category><![CDATA[債務更生費用]]></category> <category><![CDATA[如何申請債務更生]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=43101</guid> <description><![CDATA[<p>債務更生是什麼？聲請流程、生活限制一次看?現今消費模式多元便利、購物輕鬆付款，若理財或消費觀念不佳、未按時?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/debt-rehabilitation/">債務更生是什麼？聲請流程、生活限制一次看?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="43101" class="elementor elementor-43101" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-7fc620a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7fc620a9" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-832c98" data-id="832c98" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-4e28d911 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4e28d911" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-536b903f" data-id="536b903f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-32f76ccd elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="32f76ccd" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">債務更生</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-390ec584 elementor-widget elementor-widget-heading" data-id="390ec584" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">債務更生是什麼？聲請流程、生活限制一次看?/h1> </div> </div> <div class="elementor-element elementor-element-635fab25 elementor-widget elementor-widget-image" data-id="635fab25" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2023/09/debt-rehabilitation.webp" class="attachment-large size-large wp-image-50009" alt="債務更生是什麼？聲請流程、生活限制一次看?- 大揚代書" /> </div> </div> <div class="elementor-element elementor-element-3acdb588 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="3acdb588" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-4a597616 elementor-widget elementor-widget-text-editor" data-id="4a597616" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>現今消費模式多元便利、購物輕鬆付款，若理財或消費觀念不佳、未按時還款，容易累積負債，此時若符合一定條件，就能聲請債務更生，幫自己的債務打折，財務狀況也能獲得重生的機會，以下是我們的詳細介紹?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-45b26f0c elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="45b26f0c" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-255e36a7" data-id="255e36a7" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-25a72d12 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="25a72d12" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-10faaeaf" data-id="10faaeaf" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-4151f0a5 elementor-widget elementor-widget-heading" data-id="4151f0a5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-5a997af7 elementor-widget elementor-widget-text-editor" data-id="5a997af7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>債務更生是根?a href="//law.moj.gov.tw/LawClass/LawAll.aspx?pcode=B0010042" target="_blank" rel="noopener">消費者債務清理條?/a>所制定的法律程序，債務人經前置協商或法院調解程序後，仍無法清償債務，即可向法院聲請。在不變賣財產的情況下，由債務人提出一??年、至少３個月還款一次的債務清償計畫（即更生方案），經法院裁定認可後，債務人只要依約履行，除了不免責債權外，原則上就能免除其他未償還之債務?/p> </div> </div> <div class="elementor-element elementor-element-437d07c7 example elementor-widget elementor-widget-text-editor" data-id="437d07c7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="color: #8c6c5b;"><strong>※貼心提醒：</strong></span></p><ul><li><span style="color: #8c6c5b;"><strong>不免責債權：指罰金、罰鍰、怠金、追徵金、因故意侵權行為所負損害賠償債務、法定扶養費用等，除非債權人同意，否則不免責?/strong></span></li><li><span style="color: #8c6c5b;"><strong>免責：即免除清償債務的責任（也就是無須還款），除了法律另有規定外，針對債務人沒有清償完畢的債務，在法律上已無還款責任，未來債權人也不可再追償?br /></strong></span></li></ul> </div> </div> <div class="elementor-element elementor-element-3458769 elementor-widget elementor-widget-text-editor" data-id="3458769" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/right-negotiation-share/" target="_blank" rel="noopener"><strong>前置協商分享：如何將債務打掉重練與恢復信用？</strong></a></b> </div> </div> <div class="elementor-element elementor-element-7cdcb023 elementor-widget elementor-widget-heading" data-id="7cdcb023" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生聲請流程</h2> </div> </div> <div class="elementor-element elementor-element-dd2f0bf elementor-widget elementor-widget-text-editor" data-id="dd2f0bf" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>如何申請債務更生？有以下4步驟?/p> </div> </div> <div class="elementor-element elementor-element-d14dc8a elementor-widget elementor-widget-text-editor" data-id="d14dc8a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>請求協商?/strong>債務人對金融機構負有債務者，在聲請更生前，應向最大債權金融機構請求協商或調解債務清償方案，若不成立才能聲請更生程序?/li><li><strong>聲請更生?/strong>債務人向法院聲請更生，法院得就債務人之財產裁定保全處分?/li><li><strong>開始程序?/strong>法院裁定開始更生程序，並進行申報或補報債權、召集債權人會議、編造債權表、債務人提出更生方案、召集債權人會議或以書面詢問是否可決更生方案、法院認可更生方案等程序?/li><li><strong>裁定結果?/strong>更生方案經法院裁定認可確定時，更生程序終結，之後視更生條件履行情形決定可否免責；若法院裁定不認可更生方案時，應同時裁定開始清算程序?/li></ol> </div> </div> <div class="elementor-element elementor-element-6d16176 elementor-widget elementor-widget-image" data-id="6d16176" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="767" src="//danaherbertts.shop/wp-content/uploads/2023/09/debt-rehabilitation-process.png" class="attachment-large size-large wp-image-43110" alt="聲請債務更生流程－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2023/09/debt-rehabilitation-process.png 1001w, //danaherbertts.shop/wp-content/uploads/2023/09/debt-rehabilitation-process-300x288.png 300w, //danaherbertts.shop/wp-content/uploads/2023/09/debt-rehabilitation-process-768x737.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-e42b85a elementor-widget elementor-widget-heading" data-id="e42b85a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生適用對象與條?/h2> </div> </div> <div class="elementor-element elementor-element-fbd95cf elementor-widget elementor-widget-heading" data-id="fbd95cf" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">債務更生適用對象</h3> </div> </div> <div class="elementor-element elementor-element-7056a58e elementor-widget elementor-widget-text-editor" data-id="7056a58e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>有固定收入、還款意願?/li><li>支出大於收入且嚴重失衡?/li><li>確定無法清償債務或有不能清償債務之虞?/li></ul> </div> </div> <div class="elementor-element elementor-element-6cfec0e4 elementor-widget elementor-widget-heading" data-id="6cfec0e4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">聲請債務更生條件</h3> </div> </div> <div class="elementor-element elementor-element-51915e89 elementor-widget elementor-widget-text-editor" data-id="51915e89" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>無擔保或有優先權之債務總額未超過1200萬元</li><li>債務類型無法進行前置協商，如保證債務、民間債?/li><li>前置協商或債務調解不成立，或已成立但嗣後毀諾、且有不可歸責於己之事由致履行困?/li><li>5年內沒有從事營業活動，或有從事營業活動但5年內平均營業額每月在20萬元以下，例如市場攤販、計程車司機?/li></ul> </div> </div> <div class="elementor-element elementor-element-17336ddb elementor-widget elementor-widget-heading" data-id="17336ddb" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生聲請文件</h2> </div> </div> <div class="elementor-element elementor-element-28704c1e elementor-widget elementor-widget-text-editor" data-id="28704c1e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>更生聲請狀</li><li>全戶戶籍謄本</li><li>勞保投保明細</li><li>最?年內財產及所得清?/li><li>前置協商或調解不成立證明?/li><li>聯徵中心之債權人清冊、當事人綜合信用報告??/li><li>生活必要支出相關單據（房租契約、水電費、瓦斯費、管理費、電信費等收據）</li><li>相關財產資料（扣繳憑單、薪資單、存摺影本、保險單、土地及建物第一類登記謄本）</li></ul> </div> </div> <div class="elementor-element elementor-element-01bb08a elementor-widget elementor-widget-heading" data-id="01bb08a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生有什麼優缺點?/h2> </div> </div> <div class="elementor-element elementor-element-bee6be3 elementor-widget elementor-widget-heading" data-id="bee6be3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">債務更生優點</h3> </div> </div> <div class="elementor-element elementor-element-63e20cd elementor-widget elementor-widget-text-editor" data-id="63e20cd" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>保留自有資產</strong><strong>?/strong>僅以現有及未來的收入，在能力所及範圍內分期還款，不必變賣名下財甀?/li><li><strong>工作不受影響?/strong>聲請更生程序不會影響目前的工作與職業，工作也不會受到限制?/li><li><strong>債務打折效果</strong><strong>?/strong>債務人只要依計畫還款，其他未清償的債務就能一筆勾消，減輕還款壓力?/li><li><strong>停止強制執行?/strong>待法院裁定更生程序開始後，就能停止所有債權人的訴訟?a href="//danaherbertts.shop/enforcement/" target="_blank" rel="noopener">強制執行</a>，例如查封、扣押、拍賣、扣薪等?/li></ol> </div> </div> <div class="elementor-element elementor-element-70357f1 elementor-widget elementor-widget-heading" data-id="70357f1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">債務更生缺點</h3> </div> </div> <div class="elementor-element elementor-element-2875213 elementor-widget elementor-widget-text-editor" data-id="2875213" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>禁奢行為</strong><strong>?/strong>在履行更生方案期間，法院會視情況規定債務人在生活上禁止從事奢靡浪費的消費行為?/li><li><strong>信用註記?/strong>只要聲請債務更生，聯徵中心資料庫就會有相關註記，<span class="f-point">自更生方案履行完畢日起註??/span>，且暫時無法給予<a href="//danaherbertts.shop/credit-score/" target="_blank" rel="noopener">信用評分</a>，即使債務清償後信用也無法及時恢復?/li><li><strong>信用凍結?/strong>履行更生方案期間信用會遭凍結，導致債務人無法向銀行申請貸款或信用卡。因此，信用凍結總計期間總共?span class="f-point">更生聲請期間2年＋還款期間6年＋信用註記?年＝12?/span>?/li></ol> </div> </div> <div class="elementor-element elementor-element-fbac7d4 elementor-widget elementor-widget-heading" data-id="fbac7d4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生後果及生活限?/h2> </div> </div> <div class="elementor-element elementor-element-eab5d17 elementor-widget elementor-widget-text-editor" data-id="eab5d17" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>原則上不會對生活造成影響，除非法院在認可更生方案裁定時，如有必要可在全部履行完畢前，限制債務人的生活程度。根據銀行公會更生清算程序作業準則規定，可向法院聲請以下債務人生活程度的限制?/p> </div> </div> <div class="elementor-element elementor-element-0b45e58 elementor-widget elementor-widget-text-editor" data-id="0b45e58" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul> <li>每人每月日常生活支出<span class="f-point">不得超過政府公告當年度各縣市最低生活標?/span>?/li> <li><span class="f-point">不得購買不動?/span>，且除維持生計之必要外，不得購買一定金額以上的不動甀?/li> <li>依債務人職業、生活狀況，<span class="f-point">禁止奢華行為或支出與其日常生活顯不相關獲無必要的消費</span>，例如賭博、搭計程車、高鐵、飛行器、出國旅遊及四星級以上飯店之住宿等?/li> </ul> </div> </div> <div class="elementor-element elementor-element-ade7092 elementor-widget elementor-widget-heading" data-id="ade7092" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生容易嗎？</h2> </div> </div> <div class="elementor-element elementor-element-59e0c17 elementor-widget elementor-widget-text-editor" data-id="59e0c17" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>聲請債務更生的過程相當瑣碎複雜，尤其債務人必須面對法院的審查，內容包含資甀收入與支出狀況、評估更生方案是否合理，若更生方案對債權人不公允、違反法規或無履行可能、以不正當的方法使更生方案獲得債權人會議同意，或債務人有虛報債務、隱匿財產，甚至對於債權人中之一人或數人允許額外利益，法院就能裁定不認可更生方案，因此進行更生程序時須謹慎應對?/p> </div> </div> <div class="elementor-element elementor-element-45ba9dc elementor-widget elementor-widget-heading" data-id="45ba9dc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">債務更生常見問題</h2> </div> </div> <div class="elementor-element elementor-element-3c134ef5 elementor-widget elementor-widget-accordion" data-id="3c134ef5" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1001" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1001" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：債務更生費用是多少?/a> </div> <div id="elementor-tab-content-1001" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1001"><ul><li>聲請費：定額1000元?/li><li>相關程序費：由法院依實際必要支出酌收，可能包含郵寄、法院人員差旅費、其他必要開支，一般約3000?0000元?/li></ul><p>若未於指定期限內繳清，法院有權駁回更生聲請；若債務人因經濟困難或其他原因無法支付，可請求法院允許暫時免繳?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1002" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1002" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：債務更生可以出國嗎?/a> </div> <div id="elementor-tab-content-1002" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1002"><p>更生方案履行期間，法院雖然不會對債務人限制出境、住居所，但不代表債務人可以經常出國旅遊、住高級飯店等，從事顯然非經濟困難者的行為。在更生方案履行完畢前，法院仍舊會限制債務人的生活程度?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1003" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-1003" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：債務更生審查程序需要多久時間？</a> </div> <div id="elementor-tab-content-1003" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-1003"><p>?年或1年以上，須視案件複雜程度及各地方法院審理進度而定?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1004" class="elementor-tab-title" data-tab="4" role="button" aria-controls="elementor-tab-content-1004" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：聲請債務更?年可提前還完嗎？</a> </div> <div id="elementor-tab-content-1004" class="elementor-tab-content elementor-clearfix" data-tab="4" role="region" aria-labelledby="elementor-tab-title-1004"><p>更生方案最長是6年，但債務更生可以提前清償，且無須繳納違約金，但無法對單一銀行清償，必須對全體債權銀行一次性清償?/p></div> </div> <script 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</div> </div> </div> <div class="elementor-element elementor-element-74c107a elementor-widget elementor-widget-heading" data-id="74c107a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">結語</h2> </div> </div> <div class="elementor-element elementor-element-3830ecc8 elementor-widget elementor-widget-text-editor" data-id="3830ecc8" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>若目前負債大於資產且面臨龐大債務壓力者，建議選擇積極面對與處理，讓財務狀況能有撥雲見日的一天。以上就是債務更生的相關介紹，希望能協助債務人重獲新生的機會?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-2ac2de11 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2ac2de11" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d39579e" data-id="d39579e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7a48b3f5 elementor-widget elementor-widget-heading" data-id="7a48b3f5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">大揚代書24H免費諮詢</p> </div> </div> <div class="elementor-element elementor-element-1ff8f24 elementor-widget elementor-widget-text-editor" data-id="1ff8f24" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3209147d" 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