Hi Terry,welcome to the forum. How much equity do you have in the property if any? Does the wife know about the debts?? Paul Thank you Paul, approx 100k in property and yes my wife does know but most of this is down to me. Having said that I had to draw a lot of money to finish building work on the...

How much disposable income do you feel that you could comfortably set aside to meet the claims of creditors Terry? Thank you for your reply. I feel I can pay 1k per month but this will depend on mortgage interest rates. I have income from other work but it is only servicing the debt. A couple of lo...

I asked a question the other day but don't think I gave an accurate picture of situation. I have 50k card debts in my name only. My wife has separate finances but we have joint mortgage. I have 1k per month (not actually disposable)to pay all cards but this is not enough. Can I do IVA for myself bef...

I have credit card debts of £50,000 in my name only. I can pay back up to £1000 per month. I have a joint house mortgage with my wife. Can I enter into IVA without it affecting my wife's finances.