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IVA is undoubtedly an abbreviation for Unique Voluntary Arrangement. It was launched in its place to individual bankruptcy as a method that you should clear dilemma debts in a level you could manage, whilst protecting your belongings.此外，欠債人於申請過程中所花的雜費，如影印費、刊登法律通告費、郵遞及車馬費等�