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Posted: Mon Apr 20, 2009 10:16 pm
by bec81
Hello
I am currently trying to sort out an IVA, the debt is all in my name and it is all unsecured but they want to include my boyfriends income aswell, but none of the debt is in his name. We do live together, Please help? Thank you
Posted: Mon Apr 20, 2009 10:23 pm
by ivas4us
The IP is probably looking to see if your partner is contributing to the household expenditure pro-rata in order that you are offering the correct amount of disposable income for the creditors.
Posted: Mon Apr 20, 2009 10:39 pm
by newbeginings
It's nothing to worry about it's as the previous poster said just to ensure you are both paying towards the household costs this then shows your true position with regard to disposable income.
Posted: Tue Apr 21, 2009 6:43 am
by David Mond
Which firm have you approached bec81?
Posted: Tue Apr 21, 2009 1:10 pm
by bec81
David Mond wrote:
Which firm have you approached bec81?
I have approached Incovas in Manchester
Posted: Tue Apr 21, 2009 2:36 pm
by kallis3
Can I suggest that you ring one or two more firms?
Visit
www.iva.com for a list of companies and reviews. Give one or two a ring, you will get free and impartial advice about all the options open to you.
Make sure that you are comfortable with who you chose, five years is a long time to be stuck in an unworkable relationship.
Posted: Tue Apr 21, 2009 3:01 pm
by Adam Davies
Hi
I think most companies will take joint income and expenditure, however if your debts were built up over a period before you lived with your boyfriend then he should be able to keep his share of any disposible income.
Regards