Search found 7 matches
Search found 7 matches
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- by kathy.c
- Sat Mar 31, 2007 4:52 pm
- Forum: IVA postbag for april
- Topic: If a house is jointly owned
- Replies: 8
- Views: 1851
Paul All the advice currently given is correct. I would add that there are some occasions when creditors actually will demand 100% of the equity in a property to be considered even if one party is not going into an IVA. This can happen if a couple has been married for a long time. The arguement is ...
- by kathy.c
- Tue Mar 27, 2007 8:28 am
- Forum: IVA postbag for march
- Topic: do student loans have to be included in an IVA?
- Replies: 14
- Views: 2541
Melanie, thank you for your help. At present I'm thinking of proposing a F&F IVA (using the equity in my flat) and looking at bankruptcy if not accepted. I don't think that there's anything to lose by trying an IVA first. My creditors are LLoyds (CC and overdraft), HFC(personal loan),Marbles,Egg(CC)...
- by kathy.c
- Mon Mar 26, 2007 11:15 pm
- Forum: IVA postbag for march
- Topic: do student loans have to be included in an IVA?
- Replies: 14
- Views: 2541
Melanie Thanks, that explains that one. My student loan represents roughly 15% of the total. My point is that if the IVA was declined, I would go bankrupt and they would receive nothing(deferred and then written off). Surely an IP would point that out to them? Even the lowest IVA would give them ove...
- by kathy.c
- Mon Mar 26, 2007 10:23 pm
- Forum: IVA postbag for march
- Topic: do student loans have to be included in an IVA?
- Replies: 14
- Views: 2541
Melanie You've confirmed what I thought, that Student Loans had to be included in an IVA. However, how does this relate to this thread http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=1985&SearchTerms=student,loan where someone's IP didn't include them? Presumably, if they're included in an IVA they'll...
- by kathy.c
- Mon Mar 26, 2007 6:33 pm
- Forum: IVA postbag for march
- Topic: do student loans have to be included in an IVA?
- Replies: 14
- Views: 2541
Thanks for the replies. I know that Student Loans CAN be included in an IVA, it's whether or not they HAVE to be included that seems to be the problem. Melanie I have the old mortgage style loan and I want to leave it out of any IVA I might arrange as this will give the creditors a lower return and ...
Search found 7 matches
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