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The IVA protocol requires the practitioner to have made contact with co-owners of property. The debtor was estranged from their spouse and wished to propose an income-based IVA that excluded the property entirely, as the spouse was considered very unlikely to cooperate. Is direct contact with the spouse required pursuant to SIP3 and can this still be an IVA protocol case? The creditors were known to be represented by companies that would be unresponsive to non-protocol cases.

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