wife does not know anything ,has some suspicions i think ,she has no idea how much debt i am in , i really cant risk the creditors at a later date asking to include the house. Additional to all aforementioned reasons regarding house is the fact that my monthly payment i reckon will pay 75 per cent o...

Hi , may i ask:whatever is agreed and signed at the initiation stage of an iva it is legally binding and creditors cannot change rules at any stage? Specifically if i agree to X amount per month and creditors likewise ,I take it they cannot force my wife into selling/remortgaing her home to release ...

okay many thanks for your input it is very appreciated

ok thanks i cant take that risk ill forget the iva

i pay 50 per cent of the monthly requirement to my wife i did not put anything toward deposit i would be truthful and disclose all relelevant info so that is 100 per cent they can not spring it on me i would know exactly where i stand then from day 1 of iva and right through to final day and thre ca...

she purchased house in 07 i have lived there since that time also.
i pay to her half of her mortgage and bills.
would it be stipulated at the outset whether the house would be involved or do the creditors make an off the cuff decision at the 54 month stage?

if an iva practitioner would be willing to put in writing my wifes home will not be affected/equity release due to my "beneficial interest" i will consider an iva with them.

if i can avoid paying paul , yes

ok sorry

IM ON SKYPE IF PEOPLE WANT TO CHAT PROPERLY<NOT SHOUTING CAP BUTTON STUCK>

hi im going to fight them by asking for debt validation ,contract etc and if i cant cope with the letters etc<im quite strong like say just dont want bailiffs knocking and wife answers door i will then do an iva

Hi please can you help ,i think eventually bailiffs will appear at my house due to a possible ccj.ccj being courtesy of creditors<1 bank and 3 credit cards> not receiving money . my concern is my wife she owns the house 100 per cent and the car 100 per cent i am named on nothing except for bills whi...

hi just one quick question
i do not own my own home the home is in wifes name so am i correct in saying her home isafe 100 per cent if i did an iva?