Manage it, repay it, live again. From initial assessment to debt restructuring, IVA and bankruptcy support, our expert team stands by you through the toughest times.
Debt is never something to face alone — repayment pressure, collection calls and worry about the future can take a heavy toll. For over 20 years, Harmonix International has focused on personal debt solutions for Hong Kong residents, standing by you from the first financial assessment through to debt restructuring, IVA and bankruptcy support.
We believe every case has its own story. That's why every client's plan is carefully reviewed and tailored by our professional advisors, with one goal: to help you break free and take back control of your financial life.
Based on your debt type, amount and repayment capacity, our advisors will identify the most suitable plan for you.
A court-recognised debt restructuring scheme that reaches a repayment agreement with creditors, letting you repay in instalments while protecting assets and reputation — without filing for bankruptcy.
Consolidate multiple credit cards, personal loans and instalment debts, rearranging repayment order and interest rates to bring your monthly payments down to an affordable level.
Provides repayment grace periods and flexible arrangements for short-term financial difficulty — stabilising cash flow first, then building a long-term repayment strategy.
Our advisors explain the bankruptcy process, its implications and follow-up arrangements, accompanying you through the application so you understand every step of your responsibilities and rights.
A clear, transparent process — a dedicated advisor follows up and answers your questions at every step.
A free discussion of your debt situation and background, with an initial assessment of viable options — fully confidential.
Meet face-to-face with a professional advisor to review your financial documents and repayment capacity together.
Our advisory team tailors the most suitable debt solution based on your actual circumstances.
We follow up on execution throughout, walking with you until the plan is complete and your financial life is stable again.
To protect the privacy of clients and staff, we do not publish personal photos. Below is our team's professional structure.
Well-versed in Hong Kong's Bankruptcy Ordinance and IVA mechanisms, continuously tracking legal developments to ensure every plan is fully compliant.
Reviews clients' financial position, income and debt structure, tailoring the most suitable debt solution to their individual circumstances.
From first consultation to plan completion, providing dedicated one-on-one follow-up with regular updates and answers to your questions.
The following cases have been anonymised and are for reference only.
Multiple credit card balances rolled up to around $600,000. Minimum monthly payments exceeded his means, leaving him stuck using one card to pay off another.
Carrying three personal loans simultaneously, with monthly repayments exceeding 70% of her income, leaving barely enough to live on.
After his small business failed, he was left with over $3 million in debt, once at a complete financial dead end with nowhere to turn.
The above cases are composites of real situations, anonymised and modified in part to protect client privacy. Actual results vary by individual financial circumstances and are for reference only.
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