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在現今社會，個人財務壓力越來越大，尤其是在經濟不穩定的情況下，許多人可能會面臨債務累積的問題。如果無法及時還款，債務將不斷增加，甚至可能導致破產。然而，在破產之外，其實還有其他解決債務問題的方法，其中 IVA 債務重組（Individual Voluntary Arrangeme