www.iva.co.uk

Posted: **Mon Oct 15, 2007 12:21 pm**

Do all my debts have to be included in the IVA? Can I exclude certain debts?

Posted: **Mon Oct 15, 2007 12:23 pm**

Hi Davidkg and welcome to the forum,

You sholuld include all of your unsecured debts in an IVA application. Secured debts would not be included.

Kind regards,
Terry Balfour
IVA.com

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Posted: **Mon Oct 15, 2007 12:23 pm**

I am probably answering out of turn here as it's not my area of expertise, but I believe all your unsecured debt must be included.

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Posted: **Mon Oct 15, 2007 12:26 pm**

Hi
All unsecured debts HAVE to be included in iva.
Only secured debt e.g mortgage, secured loans Car HP are
included in expenditure.

Posted: **Mon Oct 15, 2007 12:27 pm**

is there a reason why you would want to exclude any of your creditors...? xx

Angie xx

My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

Posted: **Mon Oct 15, 2007 12:30 pm**

Hi
Just to confirm that all our unsecured debts have to be declared in an IVA,including debts to relatives
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

Posted: **Tue Oct 16, 2007 4:00 pm**

Hi David,

As others have mentioned all unsecured debt must be included in the IVA. Is there any reason why you would want to exclude any of your debts? How would you pay them off if they weren't included in the IVA?

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/