They are looking at the entire household income which is frustrating as I feel like I am now trapped and dragged into it all.

@Ryan, happy for you to message me. Not sure how you can do that through this site?

Thanks for the replies. He initially used one IVA company, I don’t know the name, but it got to a point I think they gave up. The IVA was rejected with no reason given and the IVA company stopped answering emails and calls. He is currently using PayPlan who are about to put an IVA offer up for votin...

<t>My husband is trying to get an individual IVA through after his company went into administration which had numerous loans with personal guarantees. I have some questions about it which I hope I can get some advice on here. We are home owners but the property has two mortgages against it. One is t...