sorry to be a pain, but from reading through this forum,ive just had a thought, if certain debt is in my name and others in my wifes name, could we still put it all together . seperatly it works out about 20,000 in my name and 13,000 in my wifes, but we have a joint bank acount evertything just gets...

i take home approx 1300 a month and my wife 600 a month

il try to give you some detail.i have a 118,ooo mortgage, my house is worth 125,000 so no equity there.joint debt between me and wife consists of 3 credit cards all of approx 10,000 each and 5 catalogues of roughly 1500 all together.so its about 32,000debt, we have a joint income of 1800 a month, ou...

do you think an iva is a good idea, ive tried to remorgage but im up to the limit, have approx 30,000 debt and sinking fast,would relly appreciate some help.thanxxx