Anyone Give me some comments about my question ....

My partner and I have joint debts.

Can we lump them all together in the same IVA ?


Thanks in Advance...

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The short answer is yes. However you'll have to do a joint IVA. This is basically two 'sole' IVAs (you can't actually get a 'joint' IVA - what they actually are is two separate IVAs which are both dependent on each other). Your joint debts can be included in your joint or interlocking IVA.

If just one of you goes into an IVA, then the creditor will continue to chase the other person who owes the money for the full balance - so you'd still have to make the full repayment for those debts each month, which won't really help.