Hello
I am new to forum. I need some advice as I am getting mixed messages from other people. I am in debt to the tune of 50K (all unsecured) I do not own a property or have any assets although I do work. I failed an IVA about 15 months ago and only a couple of the creditors have been in touch, one of which accepted a payment of £5.00 per month on a £5000 debt. Will this bad debt be on my file for ever?

as it will never get paid off. Also I have met a new partner and she wants me to move in with her, she owns her own house and hates debt but I have told her about mine. I want everything above board so the correct people know i live their. Will my creditors hassle her. We may also marry next year. Someone has told me that i will build up beneficial interest in the house and my creditors can make me bankrupt and sell the house??? Seems very unfair and i cant let this happen. Serious advice needed from people who know please
Many thanks