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				Posted: Thu Apr 23, 2009 11:07 am
				by badcherrys
				Hello everyone, 1st post here.
Me and my partner,are looking to do an IVA,
Can anyone tell us,which people are the best to do one with??
I have no idea about these,so any info,would be great
thanks [:)]
			 
			
					
				
				Posted: Thu Apr 23, 2009 11:11 am
				by David Mond
				Welcome to the forum.
Other posters will advise you. 
However you need to have a chat with an IP and give him/her details of all your personal and financial circumstances and particulars and those of your partner.
 
Visit 
www.iva.com for reviews on firms and practitioners and select one or two to have a chat with. 
They will give you the appropriate advice and it is free.
Let us know how you get on.
 
			 
			
					
				
				Posted: Thu Apr 23, 2009 11:29 am
				by badcherrys
				Thank you David for the quick reply, also with IVA's do you have do them on your own or can you do a joint one (as in me and my partner do one toghether?)
			 
			
					
				
				Posted: Thu Apr 23, 2009 11:30 am
				by David Mond
				My pleasure.
There is no such thing as Joint IVA's. They are individual but can be interlocking so both of you can do one each.
			 
			
					
				
				Posted: Thu Apr 23, 2009 11:35 am
				by Adam Davies
				Hi
 Interlocking IVAs can be based on joint income and expenditure and paid with one monthly payment
                  Regards
			 
			
					
				
				Posted: Thu Apr 23, 2009 11:45 am
				by badcherrys
				Thank you for clearing this up Andy and David.
			 
			
					
				
				Posted: Thu Apr 23, 2009 12:37 pm
				by nursecrippin
				hiya and welcome, im relatively new on here as well, but there are some really lovely people on here that have helped guide us. i phoned a couple of companies about an iva before settling on Melonie Giles company there is a site iva.com which i visited and it helped alot. im in the process of sending all our paperwork in so early stages but getting there. Good luck[:)]