thanks for that melanie, i am working on it with her at the mo so hoping she can sort it out now i know what the full extent of the problem is.

my girlfriend has announced, this week, that she has big money problems and may go down the iva route. besides my worries for her, i am also worried about how it will affect myself. i have some worries and would appreciate soem answers to the following. 1.my name alone is on the mortgage to the hous...