can you iva as a joint couple or is it assessed per person?

i have an excellent credit rating will this stop me being able to do an iva?

when you release equity from your home do you usally pay a settlement amount or will it be for the amount outstanding in full

Do you often have to release the equity in your home or does it depend on how much you have?

If you enter into an iva agreement and a monthly payment is agreed, how often do they reveiw your circumstances and will they take more money if you have been granted a pay increase?