"@context": "https://schema.org", "@type": "Article", "headline": "2025香港債務重組 vs 破產全攻略:10大關鍵分別、真實情境分析與重生路線圖", "description": "面對香港卡數、私人貸款及財務公司壓力,深入比較債務重組與破產的10大關鍵影響,包括信用評分、還款額、法律後果、資產處理及對家人的影響,幫助你在2025年為自己找到最合適的財務重生方案。", "author": "@type": "Person", "name": "Debt Advisory Writer" , "datePublished": "2025-01-01", "dateModified": "2025-01-01", "articleSection": "Personal Finance", "keywords": [ "債務重組", "破產", "IVA", "DRP", "香港債務", "卡數", "財務重生" ], "inLanguage": "zh-Hant-HK", "mainEntityOfPage": "@type": "WebPage", "@id": "https: