Oh I am very sorry Maddie, I did not realise that your mother had passed away, sincerest condolences.
I am presuming your father is in sound mind and can decide what to do for the best with regards to this? It is his legal right to distribute his and your mothers assets as he sees fit.
Again I must apologise for my earlier error and deepest sympathy for your Mams passing.
Does your father know of your IVA / If so, and you would have to seek an IP's advice on this, could the will be drawn so that your brother inherits the house, with a clause that he transfers a half share to you once, you again become solvent?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Foggy - there is no barrier to you raising secured lending over the property to pay off the IVA creditors. Your IP will not be too fussy as to how the money is obtained - if creditors are going to be paid in full and your IVA thus able to conclude at an earlier juncture.
