Hi and welcome to the forum. I assume you have debts that you can no longer service? In the first instance I would take a look at www.iva.com there you will find a list of companies and reviews of these. Always talk to 2 or 3 companies to get impartial, free advice speicific to you.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I reommend that you speak to a professional. Visit www.iva.com for a list of companies and reviews. Give one or two a ring for free and impartial advice.
You would not have a joint IVA, possibly an interlocking one.
Do you have joint debts?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Do both of you have debts you cannot afford to pay, if so how much do you owe, and how much do you feel you could afford to allocate to creditor repayment on a monthly basis?
