IF MODIFICATION ARE NOT MADE AVALIBLE TO THE DEBTOR AT THE TIME OF SIGNING THE AGREEMENT CAN THEY LATER BE ENFORCED ON TO THE DEBTOR. IN THIS CASE ONLY 3 OF 18 MODIFICATION WERE GIVEN TO THE DEBTOR TO LOOK AT AND TO MAKE A DECISION AT TO ENTER THE IVA

SHOULD WE HAVE TAKEN OUT TWO SEPERATE IVA'S AND PAID TWO SEPERATE FEE'S WHEN MOST OF OUR DEBTS WERE IN JOINT NAMES AND THE IVA'S WERE THEN JOINED FOR PAYMENT