As you surmise -- the car will also be a problem : Is it on finance ? If so it might be repossessed -- another difficult thing to explain.
I would suggest a word with Payplan (do not use them for an IVA --- as Mrs Brown says, they could well involve your husband ) or Stepchange to discuss a Debt Management Plan. This would last longer than an IVA and would continue until the debt was paid off in full, but, generally, creditors agree to suspend interest, so you only need repay the principal loan.
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