No idea, unfortunately. I only started getting it sorted last night.
I would really advise that you speak to Melanie about your situation though. She is very honest and will tell you up front if she thinks an IVA will be possible. If it's not, then she can refer you to Andrew to discuss the DMP.
Like you, when I first started looking into all of this, the first company I went to said it would be no problem, the second refused to listen to me at all (would ask a question, then half way through me answering would cut me off with another question!!), so eventually, after much reading and research, I went with Melanies company.
The one thing you really need in this is complete and utter honesty from the person sorting it out for you. Company's that tell you what you want to hear, just so they can get your business are doing you no favours. Yes, you might feel better in the short run, but when it falls apart, you're the one left to pick up the pieces.
After speaking with Melanie about this, there is absolutely no way you should even consider an IVA without your IP being in possession of ALL of your household income and expenditure. And that definately includes your husbands.
One thing I was told would be asked was, why has your husband got no debt when you have. After that it will be, so now prove your husband has not benefited in any way from the debt you've accumulated. And, if like me, you have no idea what you've spent the money on, that task is impossible.
At the time I thought it was grossly unfair. And to be honest I do think it's very unfair to my husband. But if you take a step back and look at it from the creditors point of view, they're right. Can you honestly say you did not spend a penny of that money on your husband. Or on your house. And if you're very honest with yourself, I'll bet the answer will be no.
I know this is stuff you don't want to hear. I know that because I didn't want to hear it either. But your first step in this process is to make an agreement with yourself. No more lies. Nothing but honesty. That's the only way you will be able to get anything sorted.
Keep your chin up mate. There are some hard times ahead, but look at it this way. When you've hit rock bottom, the only way is up. [:)]
Johnz
Johnz