will IVA be passed on total of both incomes?

[chrisd60]

mortgae in joint names but credit cards only in my name,
will IVA be passed on total of both incomes.
will any savings wife has bed taken into account

[Adam Davies]

Hi
The answer is yes,most probably.Creditors will argue that in a husband and wife situation both have benefited from the credit,even if it is only in one persons name.
You can see their point
Regards

[MelanieGiles]

Your wife's savings will not be taken into account, but her disposable income is likely to be based on the details Andy has provided above. Have your wife's savings genuinely come from money she has saved directly from her own income?

[David Mond]

Both incomes would be taken into account (including any committments of your wife)compared to the household expenditure. Her savings (as long as it has come from herself or outside third parties) would not come into the equation. Good luck.