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人永遠有明天
-最慘就走更生
FTX維權資訊交流(TW)
維權L君
L君先說~
• 我不會像SBF說是利他主義者,我是利己主義者.
• 但一個人力量渺小,維權需要大家提供資訊以及互相扶持.
• 參加社群、默默關注、彼此扶持最終會以某個形式幫到自己.
心理建設前提
• FTX事件目前進入美國法律程序(破產重整),預定120天內提出”重整
計畫”,依據情況也有可能延長.
• 重整期也有可能高達數年
• 所以你必須要當成這筆錢完全回不來了
• 但,人生還是要過. 活著就是勝利,吃三井日料是一餐,吃便當也是一
餐.
心理上如果難受
• 社團法人國際生命線台灣總會(1995)
• http://www.life1995.org.tw/
• 衛生福利部24小時安心專線(免付費)電話:0800-788-995
• 張老師基金會專線電話:1980
經濟上無法生活
• 跟銀行欠款1200萬以下
• 跟銀行借款超過月薪22倍
• =>債務整合
• 實際上法律上不存在這個,主要是去借比較低的利息來還比較高的利息.不
影響信用聯徵
• =>可以考慮債務協商
• 聯徵註記1年
• =>協商失敗可以考慮走債務更生
• 法院協助決定,6年內還完,聯徵註記4年.
更生的相關資訊
• [窮奢極欲]剛好做了一篇破產介紹,裡面描述了台灣破產更生的重
要概念資訊
• https://www.youtube.com/watch?v=Rz7xk-VbU18
• 某家國內貸款公司寫的更生流程說明 (並不是推薦公司,但這篇寫
得真的很詳細)
• https://houseloan.tw/9%E5%80%8B%E9%87%8D%E9%BB%9E%E6%90%9E%E
6%87%82%E5%82%B5%E5%8B%99%E5%8D%94%E5%95%86%E3%80%81%E5
%89%8D%E7%BD%AE%E5%8D%94%E5%95%86%E3%80%81%E5%80%8B%E5
%88%A5%E5%8D%94%E5%95%86%E6%98%AF%E4%BB%80%E9%BA%BC/
可靠的真正免費諮詢機構
• 網路上搜尋的很多都是寫免費,實際上過去要收費或是騙你去簽高
利貸.以下是諮詢貸款業者以及法律從業人員推薦的詢問管道
• 法律扶助基金會
• https://www.laf.org.tw/index.php?action=news_detail&p=1&id=4590
• 各縣市政府免費的法律諮詢
• https://ngdo.gov.taipei/cp.aspx?n=4E34EA915D31F554
• 各地法院服務台(每個法院都有一個專門的股處理這個業務)
注意!關於聯徵!
• 其實聯徵不是消失了,銀行就看不到.
• 銀行不會在乎那一點硬碟的,所以如果你上過聯徵,銀行都會終生
紀錄的.(影響你未來信用卡、銀行貸款…etc)

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人永遠有明天-更生法案.pptx