thanks for the reply,the company is ltd and still trading,we entered into our iva because we were unknowingly being poisoned by lead and other contaminants in our water supply at our rented property,the business had just started and i and my children became very poorly i couldnt work and my husband was taking time off to look after us,this is when the debts mounted up ,the ip we used initally were mackenzie,goldberg and johnson,they have since changed to debt free uk,(simon j westhead) this is where the probs started ,we were initally told not to enter anything in our name to do with the businessthat we guarantored,like i said we are now in the position of having ge money adding a motor loan in my name to the iva a year later,we also have the problem with the missing payments that the ip cannot find,even though my stats prove otherwise,can you tell me what happens now with the vehicle will the finance be shown as clear if we want to sell it or am i lumbered with it,and is there anythingt i can do with any other debts that my husband guaranteed.i am getting so down with everything i was wondering whether bankruptcy would be better to wipe off everything,but if i can add the other debts to the iva that would help where to we stand