<t>I've been talking to an ip about an iva he's sending me a proposal but I don't think i want to go through with it now as it's causing my wife stress and I'm not really coping very well .I've found a way I can pay my debts so do I have to sign my proposal.or can I back out now. As without my signa...

<t>Hi I'm entering an iva not signed any documents yet I have a have a joint mortgage and my ip has told me my iva will be over 72 months as I won't be able to release equity as my partner won't agree when I'm asked to do it is this true as I don't want to release any equity I want to make sure this...