Hi Alexprison I think all the advice here points to one thing - try and get some impartial advice on your choice of IVA provider. You could try ringing the National Debtline, who would not only have a look through your situation, but also recommend an IVA provider for you. The same goes for the CAB ...

Hi Grant I agree with the IVA Experts - this is something called Joint & Several Liability. This means that you and your wife were both liable for the full amount of the debt as individuals when you took out the credit agreement. Your bankruptcy would remove your liability, but not your wife's. Ther...