Im sorry to hear about your cafe samscafe. I think you should give us a call at the debt advice trust, we will take all of your details into account to give you the best forward. We will look into an iva and bankruptcy for you, but there are other ways for you to look at, which again we will do for. In regards to your partner being affected, we will not included him when going through your details. So you have time to talk to your partner before you agree to anything. There is no obligation. Hope to hear from you soon.