Hi, i've been hanging around the forum for a month or so now and had decided in my head that after reading all the advice i was going to try for an I.V.A, however, after broaching it with my husband we are going through a tough time and as he pays virtually everything apart from a second mortgage an...

Thanks for all of your advice so far. I have a few more questions, what would happen if my husband was not prepared to help and if he did how would a self-employed persons income be calculated as sometimes he can struggle to make a decent wage in a week then other weeks can be ok. Also, if he has hi...

If i am the only one in debt, is it just my outgoings i calculate as my husband pays the majority of the household bills, or do i need to calculate everything including his income? (He is self-employed and i am full-time employed.] We do have a mortgage and second mortgage together but he has no oth...