Hi I was recently in a iva with a company called The macdonald partnership and it ended with me not being able to afford repaying it I had it for two years, The company took thousands for a fee and only paid the my creditor very little. They held a meeting with the creditors but did not make me bank...

I am about to file bankruptcy and I want to know if my wifes credit will be effected, We dont have a mortgauge and have know joint accounts together.