Hi debbiw and welcome to the forum
You will struggle to get an IVA without your husband's knowledge, as you will need to confirm details of his income and personal expenditure to your prospective IP.
Your husband's surplus income will generally be expected to also be offered to creditors, on the basis that they will feel that he has benefitted from the borrowins. What were the debts taken out for, and what advice has the company you are using given you on this point?
Without his knowledge, it will be difficult for you financially to cover his surplus income as well as your own.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp