I'm not as yet as I've a months pay still in the bank, but shortly I will. My wife can assist slightly but she has the bills for the house of her own to pay too.

How does one go about sorting something like that? What are the effects of a DMP or an IVA?

In response to David, I've a loan for 25,000 brought from my last marriage, credit cards of 11,000 or slightly more and a loan on a car for 8,000 to approx 4 creditors in total

Sorry if this is a silly question, what's a DMP? I'm obviously looking for permanent work too the temping is to keep us going till then.

I'm hoping to get a temping job but that won't cover all my debts. Obviously I don't want her to lose the house or anything else for that matter.

I have recently been made redundant and have no way to afford the debts I'm in. My wife of 3 months is the owner of our house and her name is on the title to the house having owned it for 5 years before we met. Will me applying for a IVA affect her in any way? My debts are mostly from my previous ma...