Any help very much appreciated as just do not know how to resolve this issue as it's been two years now. A company that I owed with my now ex wife had a 67K FC loan with personal guarantees. The company went into Liquidation 2 years ago and as I understand it the debt is joint and several liability so FC are approaching us both for payment. We have since gone through a Divorce and the only equity either of us have is in the house we can't sell which has been on the market for 2 years. The house is also only in my name with my ex living there. I've communicated all of the above to FC and they don't seem to have a way to resolve this as I've close to an IVA if I have to pay it all in full. A question I had is, if I could co-operate with my Ex could we put in a Final offer settlement to them and somehow borrow the money as the problem still remains two years later? Any help Greatly appreciated. Steven.