結餘轉戶同債務重組問題

結餘轉戶是將多項如咭數及財務欠債一同轉另一財務公司或銀行再評估利息分期還款。以你還剩下來的欠款為基數計。
債務重組是交由專業人事加會計師將你所有欠債綜合向銀行及財務公司相討截數再加利息分長時間還款。收手續費約3萬元不等。
如果你現時還有能力可以的話，結餘轉戶是比較化算。通常是資不抵債才用債務重組的。這是我的經驗，希望幫倒你。

The key point is do not contact Public Finance and other company who will charge you low interest but VERY-HIGH penalty. My friend borrows money from (大眾財務) with 1.2% per month flat rate but PF said the actual interest will be 3.0% FROM START OF CONTRACT if early repayment is requested. Beware of the penalty terms of the contract before signing.