My husband took out an IVA without telling me a year ago for an £18k debt. I was obviously really upset, he said he didn't tell me because he didn't want to upset me, but we could have found a way to pay it with friends' and family's help (18k isn't that much of a debt in the grand scheme of things). He had also kept the extent of his debts secret, do it was a double shock. I have recently got a job, and his payments have now gone up from 190 a month to 500 a month because of my wage. It just feels so hopeless, I'm trapped paying money from my new job into a debt that I didn't know about and an IVA that I wasn't even aware of. Sorry, I just needed to vent. I'm home ill from work and in tears at the thought of 4 more years of this.