I agree, and I hope that everything works out for you. Let us know how you are getting on. Thank you all. I spoke to the company that's dealing with our IVA and now I'm thinking that bankruptcy is the quickest, cleanest option for us. I know it is a big jump, but I'm going to start divorce proceedi...

So sorry to hear your news - it must be a very stressful time for you both all round. Do you feel that IVAs are still a viable option after you have separated, taking into account the additional living expenses you will both incur if you are going to live separately? And do you have any joint debts...

My husband and I have applied for an iva, and we've been told it looks favourable. But, we are also on the verge of separating. Should we tell the people who are sorting the iva for us, or try and wait until it has been accepted until we make any decisions? I'm just aware that the budget we've submi...

You guys are all mad!!!!!!!!!! You've really cheered me up!!

Thank you. I'm going to update my budget spreadsheet and then contact an IP and talk through our options.

The council are 'processing' my application and my husband is receiving help with the gambling. As I said, it's not an active problem anymore, just that we're left with the debts. I guess I just need to know which avenue we're going to take to address the issue of our debts before we move out. We've...

Thank you, both of you. I think it was helpful just getting it off my chest! The gambling isn't an active problem anymore, fortunately, and he did seek help a while ago. We're just left with the debts from it. I eagerly await the expert's advice!

I've been reading up on IVAs but I'm not sure if it's the route I need to take. My husband and I have a joint unsecured loan of £22,000 and I have about £10,000 on various credit cards. In addition, I also have an overdraft of £2000 and my husband has an overdraft of £1700. At the moment, we can (ju...