Thanks for the info.Will have to get all the figures together and come up with what IVA he might be expected to pay.Could be in for a fun night!

Thanks for the reply-very helpful.Have done the sums and looks like the 40% he pays is about right!

Thanks for your reply Melanie.We don't own a property but pay rent of £750 p/m.Not really sure how to work out the disposable income but approx 50% of his net pay goes towards the household bills. I pay the larger share of the total household bills, split 60/40, as I have the higher income.

My husband is considering an IVA as he has approx. £40k personal debt.I wondered if this will affect me,and whether my income is included in working out his IVA payment.Also I work as an accountant's assistant and know that if your husband/wife is declared bankrupt it prevents you from working in th...