behind with debt payments, can they be included ?

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erika_h

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Post by erika_h » Tue Jun 03, 2008 9:30 am
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Hi,

Can my mortgage subject to an SPO (this is being complied with), council tax (again the council have a court order - I'm behiond with my agreement) and secured loan (3 months behind) debts be included in an IVA?

Many Thanks

Erika
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kallis3

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Post by kallis3 » Tue Jun 03, 2008 9:32 am
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Hello Erica and welcome to the forum.

I am not an expert, but I am sure one will be along in a moment to answer your question.

Not sure about secured loans or council tax myself.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Lisa2009

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Post by Lisa2009 » Tue Jun 03, 2008 9:49 am
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Mortgage arrears, i believe can not be added to the IVA as with the secured loan.
Council tax, however, i think can be added but i think it has to be for previous years and not the coming year.
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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aguise

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Post by aguise » Tue Jun 03, 2008 10:57 am
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Hi erika and welcome
Only unsecured debts can be included, council tax can be but nothing that is secured in anyway like mortgages.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
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chardonnay

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Post by chardonnay » Tue Jun 03, 2008 4:38 pm
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Hi Erika,
You can get previous council tax arrears included. My partner had the money for my half of our council tax, but as I found out after he died he never paid the bill. I recieved a summons and spoke to my IP who got it included in the IVA saving me a court order, baliffs, etc.
Good luck with it, everyone on here will help in any way they can - experts for expert advice and others like me for support and companionship,
Hugs,
Chardonnay
Chardonnay
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