Thanks everyone for your helpful replies, I really appreciate it.

Thank you for the reply, that really helps. Will any of our possessions be repossessed with an IVA? If so, how can I prove what is mine? Do you think an IVA will be best solution for him? He owes c£21,500 in personal loans, credit cards, overdrafts and student loans, and he earns £22,000pa. The trou...

I live my partner who with is thinking of starting an IVA to solve his debt problem. Will my rating be affected as well as his if he decides to do this and how will it be affected? How much information will be needed about me for him to start an IVA? I am really worried that this is going to affect ...