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You cannot take out a joint IVA, however you and the opposite human being may possibly be able to get out unique IVAs which are linked - these are definitely called ‘interlocking�?IVAs. Your insolvency practitioner can advise you about 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