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 bankruptcy postbag for july
 will BR affect my husband in a big way?
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wendy.h
Junior Member

173 Posts

Posted - 02 July 2008 :  20:37:43  Show Profile  Reply with Quote
If I go bankrupt will it affect my husband in a big way? We are in rented accomodation.
Most debts are in my name as I had a well paid job before I had to go on incapacity. Now work p/t wages not good

Reviva UK
Advanced Member

United Kingdom
2452 Posts

Posted - 02 July 2008 :  23:08:39  Show Profile  Reply with Quote
Hi Wendy and welcome

couple of things to check out:-

1. please read your tenancy agreement to see what it says about Br. Most landlords are fine provided you haven't missed any payments.

2. It may have an effect on your husband so if it does when he next applies for credit you can apply to have your name DISSASSOCIATED from his - providing a clean break.

Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com
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zoe
Junior Member



329 Posts

Posted - 03 July 2008 :  08:06:46  Show Profile  Reply with Quote
Hi there
i have been told that you cannot apply for the dis notice if you have a joint mortgage??
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Reviva UK
Advanced Member

United Kingdom
2452 Posts

Posted - 03 July 2008 :  23:11:18  Show Profile  Reply with Quote
You are associated with regards to the mortgage but the debt burden was not yours so my understanding is that you can apply for the disassociation.

Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com
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melanie_giles
Senior Member



1191 Posts

Posted - 03 July 2008 :  23:21:42  Show Profile  Visit melanie_giles's Homepage  Reply with Quote
Paul - I did not think that spouses could disassociate at the CRAs?

For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com
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JulianDonnelly
Junior Member



United Kingdom
325 Posts

Posted - 04 July 2008 :  17:19:20  Show Profile  Visit JulianDonnelly's Homepage  Reply with Quote
Hi Paul,

I think you'll be fighting a losing battle to try and disassociate yourself from someone you have a joint mortgage with and are married to!

Regards

Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
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