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sh14
Starting Member
3 Posts |
 Posted - 16 July 2009 : 14:54:05
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| I need your help I left my husband 5 months ago and now live in a homeless accomadation. We each own half of the house that he is living in at the moment the house has been remorgated and theres alot of out standing debt the agreement was that he would continue to pay my debts and I would sign over my half of the house in his name,but now hes saying hes not prepared to do that and I have to take on my own debt which I can not afford to do as im on benifits and my debt is over £20,000.Where do I go from here my solictior has said I can declare myself bankrupt is this the case? |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 16 July 2009 : 15:45:04
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You can declare BR if that is your only option. Any joint debts, such as the house, would then revert to your husband and he would be responsible to pay them.
You should also get some professional advice either from the CCCS, CAB or National Debtline however these are all very busy at the moment so it may take a while to speak to one of them. The other option is to speak to one of the following companies that post on this board as they are highly respected. They offer free advice and will only charge if you want their assistance in completing the BR forms or even accompanying you to court on the day:
Reviva UK: http://www.revivauk.com/
Jones Giles - http://www.jonesgiles.co.uk/
England, Jackman & Spacey - http://www.ejands.co.uk/index.php
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Angela Rosler
Starting Member
United Kingdom
20 Posts |
Posted - 16 July 2009 : 16:53:09
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You may not even need to declare yourself BR - if there is equity in the property, you may be able to use another solution to deal which would again give you the release from the debt that you're looking for; you wouldn't necessarily need to rely on your estranged husband's co-operation. Your solicitor may be very qualified to deal with mediation and matrimonial matters but isn't necessarily best placed to give BR advice.
I also help with a Charity that provides advice across the UK and can usually arrange a convenient appointment within 7 days of being contacted - just drop me a line if you want me to put you in touch.
Whatever you do, please seek independant advice BEFORE taking any action. Your best intentions may seriously restrict your options. Most importantly DON'T WORRY! Take control, take advice; you can find a solution to your problem.
Angela Rosler
Debt Counsellor
**email removed as only experts are allowed to advertise.**
Please can you not put your email address in your posts as only approved experts are allowed to do this. If you wish to apply to be an expert please go to the experts section at the side of the page. Thanks. |
Edited by - Skippy on 16 July 2009 16:56:13 |
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sh14
Starting Member
3 Posts |
Posted - 20 July 2009 : 20:28:08
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quote:
Originally posted by Angela Rosler
You may not even need to declare yourself BR - if there is equity in the property, you may be able to use another solution to deal which would again give you the release from the debt that you're looking for; you wouldn't necessarily need to rely on your estranged husband's co-operation. Your solicitor may be very qualified to deal with mediation and matrimonial matters but isn't necessarily best placed to give BR advice.
I also help with a Charity that provides advice across the UK and can usually arrange a convenient appointment within 7 days of being contacted - just drop me a line if you want me to put you in touch.
Whatever you do, please seek independant advice BEFORE taking any action. Your best intentions may seriously restrict your options. Most importantly DON'T WORRY! Take control, take advice; you can find a solution to your problem.
Angela Rosler
Debt Counsellor
**email removed as only experts are allowed to advertise.**
Please can you not put your email address in your posts as only approved experts are allowed to do this. If you wish to apply to be an expert please go to the experts section at the side of the page. Thanks.
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