my husband is self employed, van courier, does own vat/tax, has his own accountant etc..he is a sub contractor for office depot, so he does not use 'customers' as such. He delivers on their chosen round. we have joint debts, and both have massive credit cards, (for example both have just one each wi...

i am almost ready for getting IVA quotes and am trying to get my husband (also in debt) to get round to this thinking too, he is self employed, does own tax/vat etc...would an IVA make things difficult for him. I don't want to get myself out of debt, and then end up on the straight, and then end up ...

Do IVA companies charge you and how much for setting up an IVA and when do they want the fee? There is little equity in my home, although we do own it, do they secure my debts on my house?

if i get granted an IVA,for all my credit cards to be cleared off, will my bank card (visa) be taken off me too?...how will I pay for things in shops?...