What is the position regarding your late husband's IVA Shelley? Has it been terminated, and is his estate being dealt with under the Adminsitration of Insolvent Estates legislation? Do you have a solicitor acting for you? Your husband's debts must now be discharged from his estate, but if you held the property as joing tenants then his share of the property automatically reverts to you upon death. Best to get legal advice if you are unsure - and don't be bullied into paying anyone until you do.
Shelley. Just to explain. Joint Tenants of a property both, technically, each own all of it, sharing the responsibilties, and if one dies the ownership automatically passes to the survivor.
Tenants in Common is where each person owns a specified share, which will form part of their estate and the property might have to be sold to pay any debts.
99% of couples who jointly own a property do so as Joint Tenants.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
