I am now divorced. However, when I was married, myself and my (now ex) wife got a secured loan on the property we were in at the time; to pay off some debts. When we got divorced, I agreed to pay the full monthly amount on this debt as she had a young child, mortgage etc to pay. I am still paying the full amount, she doesnt pay a penny. However, BOTH our names are on the loan. I recently found out that she is now on an IVA and is 4 years into it. She didnt inform the loan company of whom i speak, of this IVA.....should she have done this ? As this could alleviate some or all of my debt.