Would you say you need a min of 3 creditors for a iva??

Hi, right, here goes: overdraft £4000 lloydstsb loan £17000 lloydstsb her ccard £6500 lloydstsb my ccard £6000 mbna total = £33500 We are in a council house, no rent arrears, and I get £1400 per month. She gets £121 child benefit which pays the council tax. I'm not sure what/how much we would be all...

Hi there, Both my wife and I owe money, mainly to LloydsTSB - who our account is with. We live on my wages but lloyds gave her a credit card based on the joint account. Could we enter into a joint IVA? Any ideas on what we would have to do? Any input would be really appreciated, Cheers, Dave[:)]