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    • Chris Jenkins
    • By Chris Jenkins 23rd Nov 17, 6:45 PM
    • 1Posts
    • 0Thanks
    Chris Jenkins
    IVA advice please
    • #1
    • 23rd Nov 17, 6:45 PM
    IVA advice please 23rd Nov 17 at 6:45 PM
    Evening, apologies I haven't searched the forum to see if my answer is contained within.

    I have debt and I've approached an organisation called the debt advisory service. After discussing options it seems that an IVA may be the way to go. I've been asked to provide certain documents including one of my partner's pay slips just to show total income, I can remove all identifying information from it. We have no joint debts at sll. She is very concerned that this will affect her. The only way I can see that it would is if we have joint debts like a mortgage. Is this right?

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    • sourcrates
    • By sourcrates 23rd Nov 17, 6:47 PM
    • 12,700 Posts
    • 12,042 Thanks
    • #2
    • 23rd Nov 17, 6:47 PM
    • #2
    • 23rd Nov 17, 6:47 PM
    Yes that’s correct.

    Debt are specific to individuals, not addresses, couples, or anything else, unless you have a joint product together.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see :
    • fatbelly
    • By fatbelly 26th Nov 17, 3:52 PM
    • 11,645 Posts
    • 8,779 Thanks
    • #3
    • 26th Nov 17, 3:52 PM
    • #3
    • 26th Nov 17, 3:52 PM
    Bear in mind that the Debt Advisory Service, despite its name, is not a debt advisory service. It solely exists to sell IVAs.

    If you want independent advice, try National Debtline.

    It sounds like you don't have a joint mortgage and may not own property. Why is an IVA the way to go?
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