myself and a friend share a mortgage which began in aug 2005 and has approx 148000 left on it, we also have a secured loan on property which began feb 2006 and has around 30000 left to go. the house is now probably worth around 190000, so if i were to begin an iva now, would i have enough equity lef...

what happens to other monthly direct debits you may have - such as sky, broadband, electricity etc; will they have to be paid outright when bill arrives instead? and will access to bank accounts be needed to check income etc