if i apply for an iva can the list of creditors include a family member....eg can my family member be included..one gave me £18,000...or will a credit card company take preference even if the amount owed to the credit card company is smaller

I have read in the paper at the weekend that any creditor can place a charging order on your proprty if payments are missed and cannot be paid back..(or an IVA is not accepted)...what if there is no immediate equity in the property plus if someone other than the mortgage company has a charge on the ...