A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_URI::$config is deprecated

Filename: core/URI.php

Line Number: 101

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Router::$uri is deprecated

Filename: core/Router.php

Line Number: 127

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$benchmark is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$hooks is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$config is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$log is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$utf8 is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$uri is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$exceptions is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$router is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$output is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$security is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$input is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$lang is deprecated

Filename: core/Controller.php

Line Number: 75

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$load is deprecated

Filename: core/Controller.php

Line Number: 78

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$db is deprecated

Filename: core/Loader.php

Line Number: 396

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated

Filename: database/DB_driver.php

Line Number: 371

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_database_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_database_driver.php

Line Number: 129

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_database_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_database_driver.php

Line Number: 280

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_database_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_database_driver.php

Line Number: 151

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_database_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_database_driver.php

Line Number: 208

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_database_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_database_driver.php

Line Number: 297

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_database_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_database_driver.php

Line Number: 335

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 282

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 289

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 304

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 314

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 315

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 316

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 317

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: ini_set(): Session ini settings cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 375

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent

Filename: Session/Session.php

Line Number: 110

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: session_start(): Session cannot be started after headers have already been sent

Filename: Session/Session.php

Line Number: 143

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$session is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$template is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$settings is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$user is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$common is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Site::$lib_filter is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 8
Function: __construct

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$benchmark is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$hooks is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$config is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$log is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$utf8 is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$uri is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$exceptions is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$router is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$output is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$security is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$input is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$lang is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$load is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$db is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$session is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$template is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$settings is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$user is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$common is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$lib_filter is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /www/wwwroot/ivabankruptcy.ltd/application/libraries/Template.php
Line: 38
Function: view

File: /www/wwwroot/ivabankruptcy.ltd/application/controllers/Site.php
Line: 160
Function: loadContent

File: /www/wwwroot/ivabankruptcy.ltd/index.php
Line: 315
Function: require_once

【債務舒緩 (DRP / IDRP) 成功、失敗個案分享】 - 陳志豪會計師事務所

我們公司擁有豐富經驗,有著多年處理債務的經驗,處理過不同類型的真實債務舒緩(DRP)個案。每個債務舒緩(DRP)個案是香港法例認可的債務處理方法,透過重組,債務人可避免破產、專業人士能保留其牌照或是繼續出任管理層,有效保障個人聲譽。由於我們的專家對貸款條款與批核准則相當了解,因此可以避免申請人DRP 失敗的情況出現,增加債務舒緩成功率

 要提高債務舒緩(DRP)成功率,還需要申請人的合作,以減低DRP失敗。我們的專業團隊曾能按客戶的實際情況提供相應意見,先了解個案人士的需要和難處,針對不同情況來給予不同的處理方法建議,減低債務舒緩失敗的機會。

 以下是我們公司綜合多個真實債務舒緩案例,當中有債務舒緩失敗的例子,也有成功個案,讓有意申請者能作參考,可以清楚了解提高DRP成功率的有關元素,同時亦可以了解多些DRP失敗原因,避免重蹈覆轍。其實債務舒緩(DRP)成功率並不低,一般是因為申請人提供的資料有誤而所致。

 我們深信知道有很多債務舒緩案例都有和而不同,每一個債務問題都有不同的情況和欠債原因,我們的專業團體處理過不同類型的真實債務舒緩案例,經驗豐富,我們會先了解個案人士的需要和難處,針對不同情況來給予不同的處理方法建議。我們曾經給不少人士提供債務舒緩的服務,成功處理不少個案,令他們重拾正常的生活,減輕心理上的負擔。

全部債務舒緩 (DRP / IDRP) 成功、失敗例子均是真實個案

DRP 個案一

債務舒緩成功個案: 醫護 (26歲)
Daisy (化名)畢業順利進入一間公立醫院當護士。由於Daisy一向喜歡扮靚,追求名牌,就算護士收入不錯,都不能滿足Daisy的消費,靠投資股票來找卡數。但上年股票大跌,令Daisy蝕了很多,無能力償還卡數,最後債務更一發不可收拾。由於Daisy不想醫院知道她的財務問題,所以我們建議她申請DRP,我們的專業團隊評估了他的財務狀況後,制定了一個合適的還款方案,現在她已償還一半債務。

DRP 個案二

債務舒緩成功個案: 巴士司機 (42歲)
朱先生(化名)是一名巴士司機,是家庭唯一支柱,有一仔一女,太太是全職媽媽,2個小朋友都正在讀小學,為了可以考到一間好中學,朱先生為一對仔女報讀一些私人補習班,更聘請外藉英語老師,教授英文,每個月開支非常大,以至欠下一大筆卡數。為了不影響家庭和小朋友的正常生活,朱先生決定找我們代辦申請DRP來償還債務。我們的專業團隊,再加上律師和會計師的幫助下,協助朱先生減低45%利息開支,現在朱先生在輕鬆的情況下每月還款,不影響家庭生活。

DRP 個案三

債務舒緩失敗個案: 冷氣技工 (33歲)
Paul是一名冷氣技工,屬於自僱人仕,在幾間售賣冷氣的店舖掛單,接裝置,維修及清洗冷氣機的order。結婚3年,小朋友在上年年初出世。由於太太胎位不正, Paul決定為太太安排在比較好的環境下生BB,決定在私家醫院開刀生BB,由於私家醫院開刀生BB費用高昂,加上要添置BB用品,所以Paul向財務公司借了幾十萬來應急,到了兒子出生之後,生活上的費用又增加了,因此在向財務公司借了十萬元應付生活費用。由於入不敷支的情況嚴重,所以Paul找我們申請DRP。正當我們以為一切順利的時候, Simon的申請突然被拒絕!經我們與Paul不斷尋找原因時,才發現原來Paul在申請的時候漏了申報一間售賣冷氣的店舖的入息,令DRP申請失敗。我們現在同Paul再次申請,希望今次會成功。

客戶常見問題:

所有入息證明、所持物業、拖欠的債務都是一些有機會影響DRP成功率的因素。最重要是申請人不能夠隱瞞相關資料,否則被發現,有機會影響申請結果或承擔法律責任。

如果DRP失敗,可以再評估申請人是否合適採用其他類型方案來處理債務問題。我們的專業團隊會按你申請人的實際情況作出處理。

債務舒緩並不會限制申請人的職業,自僱人仕也可以申請債務舒緩(DRP),只要可以提供所需的文件,如合理的入息證明及其他必申報文件,也能夠辦理申請。

DRP 債務舒緩適合大部分欠債人,特別是專業資格的工作例如從事金融銀行業、政府部門,紀律部隊,及專業人士如護士、醫生、會計師、工程師等,因此無需通知公司,不會令申請者在公司感到壓力,甚至失去工作。

因為債務舒緩不需經法律程序申請亦不用委任代名人草擬還款報告,亦不用召開債權人會議,因此過程既簡單亦節省大量法律及行政開支。