PAY THE DEBTS - Please help!!

hippogkh

Dear all,

I received the confirmation of the bankruptcy from the govenment in January 2009.  At that time I owed around HK$500,000 with 3 different banks (2x credit cards payment and one borrowing).  

Now, my parents have gone and they have left me money, which is around HK$1,000,000.00.  

I understand that I could pay all the debts but could you kindly let me know if I just need to pay HK$500,000.00 or do I need to pay any interests to the banks?  If I need to pay the interests how do they be calculated?

Many thanks in advance!

Regards

WATER

我唔知你講乜！帮你唔到！對唔住

dopod123

利息要計由你破產到申請堤早解破之日子加破署手續費約25%
詳細你要問番破署，見意應先向破署查詢。

lalaeveryday

我唔知你講乜！帮你唔到！對唔住
WATER 發表於 2010-3-10 01:15

我都唔知佢講甚麼,只知佢d數字都好齊頭下{:4_201:}

301

Dear all,

I received the confirmation of the bankruptcy from the govenment in January 2009.  At that time I owed around HK$500,000 with 3 different banks (2x credit cards payment and one borrowing).  ...
hippogkh 發表於 2010-3-10 01:10

Post 題係叫人幫你清數 !
:sleepy:
Here no real answer can found;
please contact your own Officer of ORO.

hippogkh

Dear all,

Many thanks for all your kind responses.

May I ask the charges to the govt. could be negotiable?

It was a sad experience that I lost my closest relatives in the past months but I trust that they had rest in peace.

Regards,

knc

9# hippogkh


Sorry to hear about ur parents. In fact, if I were you I prefer not to pay for those debts
since you have already been bankruptcy for over one year (similar as me)
Perhaps, is it possibe for you to postpone the date to get the heritage until 3yrs later rather than pay your past debts with bankruptcy record?
So far as I know that the record will stick on you for whole life (no matter you have been paid for whole debts during period of bankrupty) or did I misunderstand...
(Um...seems I am too selfish right? But just for my own opinion only)

dopod123

而家唔駛遺產稅

hippogkh

大鑊!!!!

Just spoke to the ORO this week and this is how they do about the heritage:

Once the heritage has been confirmed by the Court, the money will 'belong' to me.  However, this money will be directed to the ORO immediately

As long as the money has been arrived at the ORO they will impose a charge of 10% of the heritage!!  (Is it fair?)

Afterwards, they will ask the debtors, i.e., the banks, to calculate the interest that I should pay over the past months and the ORO will distribute my debts to the banks.  Whatever the amount of money has been left, the ORO will charge again for a certain percentage.  Hence, the officer mentioned to me that the charge of ORO will be more than 20% of my heritage!!!  I doubt if I have any left!

By the way, I though about of getting the heriatge after my bankrupcy status has been released, i.e., after 3 years.  However, I spoke to my friend who is a 聯盟 that it will take as long as 6-7 years to get my heritage in this way.  

COULD ANYBODY CONFIRM THE CHARGES OF INTERESTS AND THE CHARGES OF ORO?  IS THERE ANY BLACK AND WHITE RULES?

Thanks.

lok196305

16# hippogkh


正所謂有又煩~無又愁~現階段最好乜都無~咁會少的煩腦!