Hi Lins1972 and welcome to the forum.

Well done for taking the hard step of seeking some advice. You will receive plenty of support, help and advice on the forum.

It's more common than you think in a relationship for 1 person not to be aware of the others debt so don't worry about this.

Can you tell me how much your total debt is?

If you entered into a plan then your partners income doesn't need to be taken into cconsideration so we can work around this if need be. I've dealt with plenty of scenarios and cases like this.

I say this to everyone but the positive thing to remember in all of this is you will have a plan available to help you deal with your debts and it doesn't need to involve your partner if you don't want it to.

Ideally you want to speak with an Expert about everything and this is something which Kevin or I would be happy to do with you.

Hi Lins1972

Try not to beat yourself up about it, these things can happen very easily and the important thing is that it gets sorted out so that you can rest easier as this must be really stressing you out.

Depending upon your particular circumstances there may be a few options from which you can choose whichever most suits you. The issue with your partner should not present any problems and can be worked around, though I would seriously consider talking to your partner about it if you can pluck up the courage. We have had quite a few people on here in a similar position who have told us how glad they were they told their other halves and what a relief it was to be able to get their support.

Do you have a sense as to what you could realistically afford to pay to your debts each month?

Hi David,

I am not sure the total amount as I have ignored it as I said. I am going to look out all my paperwork and try and get a total.

In 2010 I previously entered into an IVA in England but failed to keep up the payments due to changes in my income and my health. I have a property which is mortgaged with my ex husband which is currently rented out to my ex mother in law and in negative equity.

All my debt is in my name only and my married name. I do not have anything financial associated with my new partner except I pay towards everything weekly mortagage etc. Nothing is in joint names.

I am happy to contact you direct to discuss further.

Thanks Lins1972

quote:

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Originally posted by David Tannock
[br]Hi Lins1972 and welcome to the forum.

Well done for taking the hard step of seeking some advice. You will receive plenty of support, help and advice on the forum.

It's more common than you think in a relationship for 1 person not to be aware of the others debt so don't worry about this.

Can you tell me how much your total debt is?

If you entered into a plan then your partners income doesn't need to be taken into cconsideration so we can work around this if need be. I've dealt with plenty of scenarios and cases like this.

I say this to everyone but the positive thing to remember in all of this is you will have a plan available to help you deal with your debts and it doesn't need to involve your partner if you don't want it to.

Ideally you want to speak with an Expert about everything and this is something which Kevin or I would be happy to do with you.

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Hi Lins1972.

If you'd like to speak with David or Kevin you'll see links (buttons) in their forum post signatures that will take you to a contact form.

Good for you for confronting this situation now.