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。 The creditors�?meeting: That is a remote or in-human being Conference, which you'll be able to attend if you want, the place the creditors will choose to accept or reject the IVA propo... https://iva12221.like-blogs.com/29738526/detailed-notes-on-債務舒緩-ivadrp-top