A well respected, award winning social enterprise
Volunteer run - Government and charity funded
We help 50,000 people a year through divorce

01202 805020

Mon/Fri 9am-6pm       Sat/Sun 2pm-6pm
Call for FREE expert advice & service info


What are we each entitled to in our divorce settlement?

What does the law say about how to split the house, how to share pensions and other assets, and how much maintenance is payable.

What steps can we take to reach a fair agreement?

The four basic steps to reaching an agreement on divorce finances are: disclosure, getting advice, negotiating and implementing a Consent Order.

What is a Consent Order and why do we need one?

A Consent Order is a legally binding document that finalises a divorcing couple's agreement on property, pensions and other assets.


Do you need help sorting out a fair financial settlement?

Our consultant service offers expert advice and support to help you reach agreement on a fair financial settlement quickly, and for less than a quarter of the cost of using a traditional high street solicitor.


can you help a newbie out?

  • ding dang do
  • ding dang do's Avatar Posted by
  • New Member
  • New Member
More
28 May 07 #446 by ding dang do
Topic started by ding dang do
Hi there

I needs some help!

My husband walked out on me 2 weeks ago - he left me for soemone else and said he wasnt happy with me (11 months after our wedding)

We dont own a house we private rent, i have handed in my notice on the house as i can not afford to live here alone.

now my problem is were in a lot of debt - mainly in my name as he doesnt have a bank account (to lazy to open one!)

I cant pay all the bills on my own, its a couple of hundered pound more than my wage and i would still need food and petrol.

Does he have to pay half?

  • wikivorce team
  • wikivorce team's Avatar
  • Moderator
  • Moderator
More
28 May 07 #447 by wikivorce team
Reply from wikivorce team
ding dang,

we're sorry to hear what your going through, divorce is rarely easy.

If they are debts accrued during the marriage then i simple terms - yes they are joint debts.

Debts you had before marriage in such a short marriage are in general your own responsibility.

So when you negotiate (via mediators, directly or through the courts) to settle the financial side of the divorce, the debts will be regarded as joint debts.

However, the creditors (credit card/loan companies) will for the time being hold you alone responsible and will chase you for them if they are in your name.

It sounds like you dont have many assets - but assets accrued during the marriage are also joint ( cars, furniture, pensions, savings, etc).

You should write a list of what debts were incurred during the marriage and what assets were accrued. Normally you then share out the assets minus the debts - though in your case it sounds like it is mostly debts.

  • LittleMrMike
  • LittleMrMike's Avatar
  • Platinum Member
  • Platinum Member
More
28 May 07 #449 by LittleMrMike
Reply from LittleMrMike
Dear Ding Dang,

As a former debt counsellor, I understand your predicament all too well. Let me assure you that you are not alone. There is help out there and it need not cost you anything to get it.

As a start, may I suggest that you refer to the CAB website called adviceguide and then click on ' Debt '. This will give you a lot of useful advice as to where to start. Please, whatever you do, do not panic. You must always be allowed to keep enough of your income to live on.

May I suggest you make an appointment with a CAB for a benefit check as quickly as you can get it. While you are at it, ask for a booklet called DEALING WITH YOUR DEBTS, which again gives you some useful advice.

The problem is that different levels of debt call for different strategies and it would be inappropriate to discuss your personal details on a forum like this. The issue of divorce is a complicating factor but without knowing your husband#s circumstances I can't advise.

I hope this advice will be of some help and will go some way towards easing your worries.

Mike

Moderators: wikivorce teamrubytuesdaydukeyhadenoughnowTetsSheziLinda SheridanForsetiMitchumWhiteRoseLostboy67WYSPECIALBubblegum11