Hi there wait for other answers as well. I think most of your creditors are ok with the exception of hsbc who I think like to see 40p in the pound return, but they are not a major creditor anyway. I would definately get hubbys name off the barclaycard as you will still have the use anyway. The joint account I see no problem with unless there is a cheque book and overdraft as they are see as forms of credit and in an iva you cannot have any credit unless allowed by your IP, and as long as they are not a creditor. If they do have these it may be better to open a basic account for hubby.. The shares i am not sure about so will not attempt to answer. Wait for other answers as I am like hubby another poor soul in debt.
Do you know what pence in the pound you will be offering.
There is such a lot to take in when looking into an iva. Good advice is to talk to at least a couple of companies make sure it is the best option for you, dont accept any payments that you feel you cannot manage, dont make upfront payments unless you have it in writing that they will refund them should the iva not be accepted.
Read through some of the older posts and they will give you a lot of answers.
Just to add though you see a lot of posts with problems, ther are lots of iva's that run smoothly, ours goes well and we are managing, first year nearly over and no major problems, and feeling so less stressed, I even look forward to xmas as ther wont be any credit card bills through the door after.
All the best ask anythiong you want or are not sure about, you will get all the support you need from the forum.
Ang
Please visit my blog at
http://aguise.blogs.iva.co.uk/
