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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by dillylemma[/i] [br]My husband and I are both in IVA's and have been fpr a year. He has just had a variation rejected. I can afford my IVA but due to his job he cannot afford his. After much deliberation he has decided to file for bankruptcy. We are worried about our home, its currently valued for the same amount owing on the mortgage (135k). Will be allowed to keep it? Our car is worth under a £1000 and we have no other assets. We currently have a joint Natwest account but he has just opened a co-op account as he has recently become self employed and we thought it best to separate wages. Would it be possible for to remove his name from the joint bank account? We are both very nervous about the whole bankruptcy procedure and the guilt about forfitting the debts is overwhelming. We are both worried about the effects it may have on us in the future when we would like to move etc but would the IVA's have already had the same effect? Thank You [/quote]   Check here to include your profile signature.