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Myself and my ex partner have a shortfall on our mortgage, if I enter into an IVA will this debt be written off after 5 years? or will the debt be passed on to her?

Hi and welcome.

If the shortfall is still secured on the property then you will have to still keep paying for it I believe.

If you no longer have the property, then the shortfall becomes unsecured and can be taken into account for an IVA.

Your ex partner will then be chased for the whole of the debt.

If you are jointly responsible for the mortgage, then your partner will pick up the full liability for any shortfall in the event of you entering into an IVA and the shortfall being crystallised by either a sale or repossession.