Effect of bankruptcy

hello Orchid

To get up to date, accurate information on your options around bankruptcy you would be best to contact experts such as National Debtline on 0808 808 4000, Stepchange on 0800 138 1111, or your local Citizens Advice Bureau.

Best wishes

Deirdre

Forum Admin

Hi Deidre

Thanks for replying but I am not wanting to understand the options - it's my husband's decision what he does (I have filed for divorce). What I am trying to understand is whether or not his creditors can come after me for money that he owes. I called Stepchange today and they weren't able to help (they are more concerned with debt management) and the lady I spoke to at the insolvency service didn't seem very confident in what she was telling me. I would therefore welcome hearing from any partners that have been in the same situation / is able to comment.

Thanks in advance for any advice.

Orchid

Hi orchid

this isn't bankrupcy related as such but I asked a solicitor if my husbands creditors could come after me( not if bankrupt) and she told me that even if the house was solely in my name they could still say that he has paid into it for 20 years so they could claim from his half. But I don't think they could force you out they would put a charge on his half. They can't make you pay for his debts solely in his name but she told me that divorce is the safest way because you are no longer financially linked and I know you have taken steps towards that.

Thanks Katiecola, that's reassuring... How are things with you?

Hi orchid

things are awful actually but thank you for asking. Since he stole from me I can't seem to be supportive any more. It's like kick after kick in the teeth. He tells me he's gonna leave as soon as he finds somewhere. I won't stop him. Of course it's not the ideal answer but for him it's the solution. He hasn't got the balls to beat it or even try so I really do need to divorce him. I've tried it all. How much does it cost to get divorced?

Hi Katiecola

I'm sorry to hear things aren't great. I can understand perfectly well how you are struggling to support him after the latest developments. It's kind of the ultimate betrayal...

I have my first appointment with my solicitor next week so will find out more then but she has estimated £1000 and that it will take 3 to 4 months to complete. I hope that helps

Take care x

Oh that's not as bad as I feared! Thanks orchid. And that's fairly quick I guess. Sadly that's made me feel better. I'm getting to the point where I just need another way of living. It's so stressful, frustrating and disappointing as things stand. I couldn't even face going home from work yesterday. If I continue as we are I will become as screwed up as him and one of us needs to stay sane. How are you coping now? Are things becoming slightly easier? I mean in yourself and your decision? X

Hi Katiecola

It's kind of weird at the moment. It's almost as if I have no feelings. When I do start to doubt things, I get the latest bank statement out to remind myself that it's the right decision. A bit of a reality check does the job.... I think it will all seem more 'real' after my solicitor's appointment next week - she's asking me to make decisions about whether I want to change my surname back etc. which is all quite sad and surreal....

Anyway, thanks for asking. I hope you're doing something nice for yourself this weekend x

I am there too. I am getting divorced. 1000 GBP it helps me too. For the moment I am living outside UK as I did find a good job and still I dont know if it will cost me more. Now that we are living separated (as he is in UK) I think he is in debt with all the banks. Don`t know if that will effect me either. But I am already better, now that I am living without him.