Hi -- technically there is no such thing as a joint IVA -- what generally happens is you have two IVA's which are interlocking, so based on one set of joint figurs and one monthly payment.
Speak to a couple of firms to see what they advise is best for your own set of circumstances.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014