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1. Dear Rodger, in the situation you have outlined, the man is not responsible for half the woman's debts, even if he is her partner. In law, each is viewed as a separate entity and so are treated separately so far as the law is concerned and so far as owing money is concerned. So, here the man will not have to pay half the woman's debts. Secondly, the woman can get an IVA if she wishes, even if she is a joint house owner. However, be aware that the creditors are likely to first ask her to use all her resources to discharge their debts, including the share in the house. It will only be if she cannot obtain further finance on her house that the creditors will be willing to take an IVA, as very often an IVA involves some debt forgiveness.
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