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持不反對申請證明到高等法院登記處，取得誓章表格。如果需要英文版本的破產解除證明書，則需使用英文誓章進行申請；In case your creditors agree to the IVA, the moment it is set up, you can make a every month payment to the insolvency practitioner, who'll then fork out the agreed amount of money to each