Hello
You would need to consult the terms and conditions of your employment contracts but on the face of it I would say that both your jobs are very unlikely to be affected by an IVA. We have but through many successful cases for both Nurses and people in the Armed forces.
In an IVA you would NOT lose ownership of your house. You may have to release any equity you have amassed over the term of your IVA but this seems unlikely given the information you provided.
You are quite right, an IVA is individual and you will have to pay back as much as you can to your creditors over the term of your IVA. I believe that you have a strong chance of successfully proposing an IVA and would recommend that you contact several companies and discuss this further with them.
Best Regards
Oliver
Thomas Charles and Co Ltd.
Experts in personal debt solutions.
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