If you were to allow the property to be repossessed you would remain liable for any outstanding balance on the mortgage and secured loan once the property had been sold by your lender, unless this debt was included in your bankruptcy in 2010. However even if it was included in your bankruptcy your husband may still be liable for it and potentially he could allow his IVA to fail and go bankrupt instead.
Please also bear in mind that should you allow the property to be repossessed you would also be liable for the building and its contents, again until the property had sold. Please seek further free money advice to discuss all the potential options available to you given your specific set of circumstances.

This question has been answered by CAP UK, a leading debt charity offering hope and a solution to anyone in debt.

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