I have three buy to let houses which now in present market conditions have no equity in them. Is there a chance of my creditors asking me to sell them? My second question is just with these mortgages and my personal living expenses ( wife and baby) we are already in negative with my earnings so can ...

I have three buy to let houses. All have mortgages which are not covered by the rents received. There is also no equity in them. What would happen to them if I went down the IVA route. My debts are bank loans and credit cards totalling £27000. My current job driving ( was in the property business) d...