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My Partner and an IVA

Does your partner have to pay your debts if you start an IVA? How is joint property affected? What of you have joint debts? Can you still pay your partner’s debts?

Tax Credits Overpayments and an IVA

Can tax credits overpayments be included in an IVA? Will HMRC accept the proposal? What if the overpayments are in joint names? Is an IVA the best solution for tax credits overpayments?

Is an Individual Voluntary Arrangement possible on benefits?

You can do an IVA if you are receiving benefits. What if you are working as well? What if your only income is benefits? Can your partner help you pay?

Will a property I own abroad be included if I carry out an IVA?

Property you own abroad is affected by an IVA? Is income from the property included? Is any equity at risk? What if you do not disclose the property?

Can I include rent arrears in an IVA?

An IVA can help resolve a rent rent arrears problem. Can arrears from your current property be included? Will arrears from a previous property be written off?

Can I start an IVA for just £100 a month?

An IVA can now be started based on payments of £100 a month. Why will creditors agree? Is a £100 IVA better then DMP? Would Bankruptcy be a better option?

What can I do if I cannot pay my CCJ?

Is it possible to reduce your CCJ payments? Can a CCJ be overturned by using a debt solution such as a DMP, IVA or Bankruptcy?

What will happen to my Car in an IVA?

Can you keep your Car if you start an IVA? What happens if it is on HP or a Lease Agreement? When can you include car finance debt in an IVA?

How will my House be affected if I do an IVA?

What happens to your house if you start an IVA? Will you have to release equity? What if you cannot remortgage? Effect on a jointly owned property.