Thanks fir the reply. MY IP, is very arogant, and this is why my partner does not want to go throught the IVA. she has not explained the Pros and cons, for going throug this IVA. all she has expalined, is that a IVA is the best option. As i said currently, ny total debt is about 48,000, my IP, has s...

Hiya, thanks for your responce. None of the debt,is joint. mine is personal loans whereas my partners is from a graduate loan, and credit cards etc. are disposable income, is about £400 a month, after all bills have been paid. this is not taking into consideration, what we pay for loans etc. My parn...

Thanks, for the advice. it helps to get to get advice from another perspective. The IP, wants us both to do the IVA, as she has debt as well, but the impression she got from the IP, they are just looking at waht is in for them. lets not forget they take a huge proportion of the mone being paid via t...

Hi, i have just been to see a IVA, consultant. they are advising me to do a IVA, becuase the amount of debt i am in. However, for the IVA to be Approved, i have to start with monthly payments untill i can remortgae as i am in a right to buy house. Secondly they want me to remortgage my house and rea...