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。 Banking limitations: You may only be allowed to use a fundamental bank account during the IVA to prevent borrowing as a result of an overdraft. IVA stands for ‘Individual Voluntary Arr... https://iva78777.activosblog.com/29068715/5-tips-about-債務舒緩債務重組分別-you-can-use-today-hkiva-top