Husband double dealing and gamling debts

[Emily]

My hubbie have been on a gamling spree....He has spends 50% of his wages on gambling and liquer in the last ten years. I also have now found out he has another women and paying her housekeeping as she has threatened him she will tell me that she exist.

He had fathered children with this women in Dublin for last 3 years!!

I want him out for good. How can the debts be cleared as the creditcard BILLS ARE ALL IN MY NAME AND HIS HAS THE HOUSING DEED.The total is 140k.

I have had enough of blokes.....

[MelanieGiles]

Are you living in the Irish Republic? If so, discharge from bankruptcy will take 12 years (if my memory is reliable) so that is probably the best place for him. But why are the debts all in your name?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Emily]

My hubbie is an Irishman. I am English,living in Bedfordshire and he made me borrow on my cards in the last ten years and threatened to walk out with my kids if I refused.

How do I clear my debts????

[Lisa2009]

Enily are you a home owner?

[Emily]

THat man owns the deeds to the House, we are not married legally

[mish1953]

Emily

have you got any kids ?

You've been taken for a right old ride lassie.

I would suggest that you want to get down to the CAB and also get a free meeting with a solicitor pronto to work out whats best.
Are you paying the mortgage ?
Has he paid anything towards it ?

The money/debt is a big thing but it sounds to me like you need to get him out of your life and get some secure housing sorted out first.

Slainte - no all blokes are bad - some of us are ok [:)]

Mish


Will an automatic discharge hurt.

[Emily]

After spending 3 days reading nearly every thread here and made notes and countless calls I have now dealt with my own debt problem exasberated by my drunken and gambling husband- he is(legally forced) to sell the house to pay off 75% of our debts and I will do a DMP for the rest.We will separate after that.

I only got 13K after that so no point in having any IVA.I was offerred a no charge DMP from the Consumer Council Service which I will take when the proceeds of the house is allocated.

[cr15py]

You seem like you have managed to find a solution, well done on that.

But I am so sorry to hear about the problems you have had with your partner. I hope everything works out OK for you.

Visit my blog at http://cr15py.blogs.iva.co.uk

[Lisa2009]

Well done for dealing with the problem. Im sure you will be much better off without him in your life. All the best xx

mrs skint