Property is valued approx £170,000. My debts are around £23,000. These were debts were incurred by me and my partner did not benefit from the money. He does not have any debts of his own that I am aware of. He knows that I have debts but not the extent.

I have lived with my partner for 29 years. The mortgage on the house in which we live has finished, and the house is in my partner's name. If I opt for IVA, will my creditors have access to the house value