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    • Hamlet the Dane
    • By Hamlet the Dane 11th May 19, 6:51 PM
    • 2Posts
    • 0Thanks
    Hamlet the Dane
    IVA question
    • #1
    • 11th May 19, 6:51 PM
    IVA question 11th May 19 at 6:51 PM
    Hello... I am in process of possibly agreeing to an IVA, but the helping organisation also want proof of my wife's income. I am trying to do this on my own, as we have enough problems without me telling her I have debt.... Is it possible to have an IVA just individually, even though married?

    Any comments gratefully received, thanks.
Page 1
    • sourcrates
    • By sourcrates 12th May 19, 12:58 PM
    • 17,418 Posts
    • 16,421 Thanks
    • #2
    • 12th May 19, 12:58 PM
    • #2
    • 12th May 19, 12:58 PM

    The clue is in the name "Individual Voluntery Arrangement" they are unique to the individual, as you are a married couple, they will want to assess your family income as a whole, to determine your share of the household bills.

    She is not been assessed as a party to the IVA, they need to know how much of her income goes towards the monthly bills, so your share can be calculated.
    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".

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    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • foxy-stoat
    • By foxy-stoat 13th May 19, 10:00 AM
    • 4,425 Posts
    • 2,587 Thanks
    • #3
    • 13th May 19, 10:00 AM
    • #3
    • 13th May 19, 10:00 AM
    Probably best tell her what you are planning, you don't want her filling in application forms in the future with incorrect information and you have an issue because of non-disclosure....and you are married so best not to keep something as huge as an IVA from her.
    • semikie123
    • By semikie123 18th May 19, 12:21 PM
    • 2 Posts
    • 0 Thanks
    • #4
    • 18th May 19, 12:21 PM
    • #4
    • 18th May 19, 12:21 PM
    My IVA has just been granted, I had to complete a Household budget and they asked how much my partner earned, by never need to see and of his pay slips This was with Stepchange.
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