thanks for all you replys, really kind of you.

thanks for all you replys, really kind of you.

swans_girl, thank you, you was correct the first time, I don't have a mortgage, the house is paid for in full, although my name is down owning the house I have never paid a penny to the mortgage or utility bills, I don't earn much, I always bought the food but have got into terrible debt on my credi...

I have started the ball rolling on starting an IVA. I currently have 47k unsecured debt, however this is my debt, not my husbands, our mortgage is paid in full and this is my own private debt that I wanted to get sorted on my own. is this possible?