Many thanks for your replies, I think I know what I've got to do just plucking up the courage to do it. Lots to think about [:(]

Debt Specialists Ltd rang me when I filled in a form on the internet regarding worry about debt. They told me I would not need to provide any proof of his income, am beginning to think that maybe they might not be a very reputable company. I appreciate that you would not advise taking on an iva with...

Thanks for your speedy reply Melanie. We have been married for 9 years and I have not paid for any major alterations on the house. We have always managed our finances seperately (obviously, I have not managed them well, hence the mess I am in) I want to undertake the iva totally independently and do...

Does my husbands salary have to be taken into account when applying for an iva? It is my debt and I should be the one to sort it out. Property I live in is in my husbands name (he bought before we met) can they insist this is used?