Most Insolvency Practitioners these days do not charge any up front fees, and all initial advice is provided free of charge whilst you are deciding what to do.
It might be possible to perhaps propose an IVA on the basis of offering your share of the house sale proceeds, but of course your husband would need to agree to this. If you are left with any disposable income, creditors would also expect you to offer this up as well.
Best to take advice - and maybe verify that by talking to two or three other firms to compare the options you are presented.
Hope it all goes well for you, and well done for plucking up the courage to share this with your husband. You are a team at the end of the day, and although he will initially be shocked he will be an immense support to you over the next few weeks and a great sounding board when deciding what to do.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
