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自僱的身分並不會限制申請人申請任何欠款重新整合方案。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。Plenty of creditors have signed around anything known as the IVA protocol. This implies they’re expected to simply accept a proposal that's been prepared in st