can a Mother and Daughter go into an IVA TOGETHER

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Post by » Tue Jul 27, 2010 9:12 am
Hi my question is can a Mother and Daughter go into an IVA TOGETHER.
They own a house together and share living expenses but have seperate debts. I am enquiring for a colleague.

Adam Davies

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Post by Adam Davies » Tue Jul 27, 2010 9:29 am
All IVAs are individual but can be interlocking.There is nothing to stop a Mother and Daughter having interlocking IVAs.
Andam Davies

Michael Peoples

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Post by Michael Peoples » Tue Jul 27, 2010 9:29 am
Their circumstances are linked so any proposals they would do would need to be in conjunction with each other. However, there is no such thing as a joint IVA but that does not mean they cannot speak to an IP firm together.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
If you would like to talk to me about proposing an IVA or have any questions at all please visit

Tina Shortland

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Post by Tina Shortland » Tue Jul 27, 2010 9:49 am
Hi Michael - welcome to the forum, as the others have said, yes it is possible but their full circumstances would need to be understood to make sure it is a viable option, and of course in their best interests to do one.

Only when they have fully discussed their situation with professionals will they understand if it is a real possibility. There are many good companies and IPs who post on here if they are looking for help and we always advise speaking to more than one company to get a comparison.

Anything any of us can do to help just let us know,

Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

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If you’re ready to ask us for specific advice or help, then get in touch at so you can start to free yourself from the stress and anxiety of overwhelming debt.


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Post by Shining » Tue Jul 27, 2010 9:52 am
Hi and welcome to the forum, why not suggest they take a look at for a list of companies and some reviews of these. A good starting point and please advise them to take the impartial free case specific advice from 2 or 3 companies.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.


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Post by MelanieGiles » Wed Jul 28, 2010 2:36 am
I would tend to try and do them separately if the DI permits.
Regards, Melanie Giles, Insolvency Practitioner
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