Hi Kallis3

The IVA is in my sole name. None of the debts are joint.

My partner and I received proceeds from former house sale. Over the past couple of years I used mine to repay debt. My partner would not use her share and she removed from joint savings account.

My creditors meeting is Friday.

My debt is 100K. My partner has savings of 40K, butdoes not work to look afterour3children. She will not help me any more financially. Will her savings be at risk?

My IVA advisor has said my house in jointnamesis not at risk. The loan to value is high (>85%). I asked about the year 4 revaluation, and outcomes. He said don't worry it's notincluded. But I do worry. If the house rises in value what will happed. The mortgage is already greater than 3.5 x salary, s...