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 We in a position now where our IVA has failed

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T O P I C    R E V I E W
Tigerloverbole Posted - 26 March 2009 : 05:47:22
We in a position now where our IVA has failed, we have a shared ownership property a 2 bed maisonette, we are worried if we go bankrupt we will lose this and be homeless, we have a 2 yr old son, there is no equity in the property,but because the other half is owned by the housing association. Where do we stand, please help.
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Melanie.n Posted - 26 March 2009 : 07:48:49
Hi there, sorry to hear that you IVA has failed. Have you spoken to your IP with a discussion on your future options? You will need to do this as youwill need a certificate if your IVA has indeed failed from your IP to enable you to file for bankruptcy, you cannot file without it.

With regard to your property it all depends and value - is there any equity?

An option may be to speak to your Housing Association and see whether or not they would be prepared to buy back 'your share' and enable you to rent 100% of the property.

Hope this helps

Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles

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