Hi Jt74 and welcome to the forum.

Did you ask the advisor you are dealing with about this?

Ideally the guidance set out by the Accountant in Bankruptcy suggests take into consideration the household income and the total household expenditure. This is to try and ensure that a fair balance is struck for the creditors and that you are paying a fair proportion to the household bills and towards your debts.

This doesn't mean that your husband pays towards your debts. How we look at this is based on a percentage of who earns what in the household. For example you could both earn 50% and therefore would each pay 50% of the bills and whatever was left over after all of the bills were paid would be split 50/50 so if you had £100 left over your husband would keep £50 and your £50 is what you would pay towards your debts.

It can also be done on your own income and your share of the household bills without taking into consideration your husbands income.

A good knowledgable advisor will be able to take you through all of this and explain it to you. Also, they will be able to work with your particular situation and should be able to accommodate however you would like to work this.

Do you own any assets such as a house or car?

Also, who do you owe money to as some lenders can be tricky to deal with.

Finally how much do you think you can afford to pay per month towards a plan? There isn't just a Trust Deed but also a Debt Arrangement Scheme which you could consider.

We always advise anyone to speak with one or two advisors as things can vary from firm to firm. Kevin or I the two experts on the forum would be happy to help with a second opinion. We can generally put your mind at ease within a 15-20 min phone call.

Hi Jt74

It should only be taken into account in so far as to ensure that he is paying his fair share of the joint household bills. This is purely a paper exercise when assessing how much you would have to contribute to a Trust Deed and is nothing to worry about from his side of things.

As David says, this kind of assessment can be done pretty quickly by any of us experts to give you an idea of what you would have to pay and therefore whether the Trust Deed is a suitable option for you, so feel free to get in touch and either of us would be happy to do this for you.