Thanks for that, I am starting to think about all sorts now........what happens to pension contributions? Will I have to stop my pension payments on an IVA? Also, do you think it would be easier for my hubby to be included on the IVA, or will he not be entitled as he only has 5K of debt? Sorry for a...

Thanks Andy for your reply My take home wage is approx £1800 per mth, and hubbys payments are £160 p/mth ( 2 x credit cards)I would say that I could realistically afford around £300 p/mth for IVA( I currently pay around £650 min payments) but would have to really look into the income/expenditure par...

Hi there Just found this great site! I am looking into applying to enter into an IVA. I owe approx £28000 which is in my name only. My hubby owes £5000 in his name only and the only joint debt we have is £1200 overdraft, apart from our mortgage. Would I be okay to enter into an IVA on my own, or wil...