after i married my ( now ex ) wife--i found out she had a telephone number size debt on a credit card--biggest i'd ever heard of. she was barely making the minimum payment--several hundred a month.

we hadnt long been married--and i was scared witless incase i'd now " inherited " this debt. a trip to the citizens advice put me at ease.

she took advice too--and came up with an IVA to freeze the debt and to arrange a repayment plan. last i heard it would take her 16 years to pay it off.

but i now understand she was able to write off--75% ( ? ) of it.