Dear all
I am in a real mess and would like to seek some honest advice / feedback.
Currently we live in a shared ownership home (100% in my wife's name. Currently just paying rent to the housing company).
Over the past years, due to some mental health problems ( anxiety and depression ) and this has have a marked effect on the family and my ability to work, there are now some £20,000 of debts (Gas, Electric, Water and Council tax).
All of these are in my name ONLY and I am considering a debt reduction order or alike, but I have been led to believe that even if I do this, the debts will still 'exist' in my wife's liability?
I do not really understand this as I thought if I 'owned' the debt, it would go after I have it written off?
I am in a real mess and would be grateful for any advice that can be given.
Thank you all in advance
David