thanks for your reply, we have disposable income of £200 and own our property. we do not have any equity, our house is worth £250000 our mortgage is £205000 and we have a secured loan of 87000.

my husband and i are considering an iva, our totl debt is about £35000, is it best to apply for a joint iva or can he apply alone, however his wages is just enough to pay the mortgage and secured loan and i owe 15000 earning 1200 a month. when during the iva process does ones debt get written off, a...