會。若欠債人沒有如實申報所持有物業或其他資產，便有機會令債務重組的申請失敗，而且根據香港法例，在申請債務重組時，須委任代名人向其債權人提出償還債務建議，如果所委任的代名人沒有專業資格，亦有機會申請失敗。 The creditors�?Assembly: This is the distant or in-individual Assembly, which you'll show up at if you wish, the place the creditors will elect to accept or reject the IVA proposal. If... https://archersepal.thechapblog.com/29342768/the-2-minute-rule-for-債務舒緩成功率-iva-drp-top