You can't get out a joint IVA, but you and another man or woman might have the capacity to take out person IVAs which can be linked - these are generally called ‘interlocking�?IVAs. Your insolvency practitioner will be able to advise you relating to this. 此外，欠債人於申請過程中所花的雜費，如影印費、刊登法律通告費、郵遞及車馬費等，則屬實報實銷。最後，欠債人亦須支付法庭收費，此乃劃一... https://drp22222.dm-blog.com/29770119/the-greatest-guide-to-債務重組破產分別-drpno1-top