if you had a full and final offer would that also have to include the amount you were required to give from remortgage in the 4th year equity clause?

i understand the need to disclose debt of spouse incases where if they were working then they would need to contribute to household expenses and then their debts would have an impact on the iva payments.

i just wish it were straight forward

i totally empathise with your situation. i'm looking into an iva myself. i feel like breaking down in tears at times. financial probs definetly put a strain in a marriage.

i wish you succeed in what you choose and good luck with everything.

is that company the same as clear debt, David's company.

i was with a company but i think its good to have a shop around, as different people say different things.

Wish me luck i'm looking at a few companies and am telling them about my situation, honesty always best policy.

before an iva is started do the IVA companies do a credit check on the person doing an iva and their spouse?

thanks guys. i'm going to inform my ip.

will it matter that we are married?

will i be held partly reponsible especially as i am married to him?

i know i keep asking the same questions but really need to know?

his debt is in his name only. every expenditure i have given my ip is based on my income and benefits i recieve. i don't want to be held accountable for his debt. i don't want to lie to my ip. my iva has not begun yet. my ip has yet to make my proposal. i'm worried i will be asked to leave money fro...

will my creditors not ask that i pay towards his debt from my disposable income?

my partner is not in an iva. he does not want to be involved in my iva. the other factor is that he has been unemployed for a few months now, so he has no disposable income. but his family and brother are helping him pay his debt. he has a loan and two credit cards. the creditcard debt is minimal, a...

hidden debt I hid dome information when submitting my IVA about my partners debt. my partner has a loan which he got for his brother and although it is in my partners name his brother gives the monthly payment, so i never have to pay for it out of my expenditure. is there any chance my ip will find ...