I currently have approx. 14k of debt (4 creditors), my wife has approx 8k (2 creditors) with approx 8k (1 creditor) in joint names. Any help v. much appreciated.

aguise,

Thanks for reply. Would this require both parties to enter into an IVA at the same time? If so, is the amount shared equally and apportioned equally?

Can a personal loan taken out in joint names be taken into account when entering into an IVA?