Can my husbanda iva take my salary?

Frida920

Ok ill try to keep this simple...
My husband has an iva. When he took it out i was not working as on maternity/stay at home parent.
I have now got a new job paying roughly 600 a month but ut will vary from 500-800 as depends on shifts available.
I have roughly 6k of debt to pay off. I need to pay this fairly urgently. I do not wabt to taje out any formal debt management plan or anything as i can manage it myself. The plan if to pay most of my salary into my debts each month...around 400 a month.

So...we will obviously let the IS know that i now have a job. But we want to know exactly what will be decides in terms of how thus effects my husbands payment.

We tried to do the calculations...and each time we ended up no better off for me working (apart from obviously i will be able to pay my debts!)

I want to know:

1) will it be accepted that i have to pay most of my salary to debts? Will i have to prove what im paying to my debts or show evidence of my debts? Can they insist i pay less to my debts?
2) do they work out my contribution to household income based on my total earnings or is it based on my expendable earnings aka what is left after i have paid debts?
3)can they really leave us in a situation where we actually dont get any extra spare income?
4) say i geberally earn 600 pounds a month, but one month i do some extra shifts and earn 800. Do we have to inform the IS of this? Becayse if so i could be calling them every month which seems crazy...

Thank you if anyone takes the time to reply. We really appreciate it.

Frida920

Also just to be clear mt husbands iva is only in his name. His debts are his and mine are my own and have mostly come about after the iva was taken out.

Thank you

sourcrates

Hi,

If his IVA payment is worked out on a household budget, then some contribution may be necessary, it all depends how the arrangement was assessed originally.

If its just his income, nothing will change, if its household income they will expect a contribution from you.

National_Debtline

Hi Frida920,


I would suggest your husband checks the terms and conditions of the IVA. You are not liable for his IVA or his debts, but they may ask to see a household budget and check the household bills are being split fairly.

If you have credit debts, then they are not an essential living cost, and the split of a budget would normally be based on your income (before you have paid your debts). Then, what you do with your own surplus is up to you. It is unlikely you would need to contact the IVA each month (as it isn't in your name). If you had higher earnings, this may be noted at your husband's annual review, and it may be argued that if you had more income, you could pay more to the household bills, and he should have more surplus to pay into the IVA the next year. However, this may also depend on how his IVA was originally assessed.

Unfortunately, it is difficult to give you an absolute answer, and the best thing to do would be to check the details of what he signed and go from there. Good luck,


Laura
@natdebtline