A Joint IVA For Couples


If you and your partner have debt, you act jointly to sort it out. An option to consider might be a “joint IVA”.


This is technically an IVA for each of you. You receive coordinated debt advice. Coordinated admin of each IVA takes place. Each IVA takes account of the other, to balance your money needs.


Do you need a joint debt to qualify?


No need for a joint debt exists. You each need to have debts, but they can be in your own names.

You do need to have linked personal affairs. This link may be living in a home with each other, for example.


What happens if you split-up?


It may be possible for your IVA to continue.


You'd have a review of your IVA. This would check that it remains suited to your needs. Your payment amount may change.


Alternatives to a “joint IVA”


You can enter different debt solutions, even if you have a joint debt(s).


Dealing with debts using different options can be smart. For example, a person with lower debts may prefer debt management.


The key point is to get expert debt advice. Compare your joint and personal options before you decide.




A joint IVA is a good choice for some couples.


Look at what each of you could do on your own. You may find a faster and cheaper route to clear the debts.


For advice on a joint IVA, please contact our debt experts today.


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