I'm sorry to hear that this is affecting your relationship, and that your husband is refusing to help. If you do legally separate, and this leads to divorce, then you are very likely to be awarded a portion of your husband's equity. The amount will depend on the amount of time you have been married, whether you have any children and the contribution you may have deemed to have made to the property during the years that you have been married.
What did you spend the £30,000 on? Just yourself, or did your husband benefit from any of the borrowings?
Given the uncertainty of your circumstances at present, I would not be recommending that you enter into an IVA until the future is more certain for you.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk