Hi DB
The answer to this question really boils done to what the official receiver believes your creditors would be entitled to if you declared bankruptcy.
This will depend on things like the length of time you and your wife been married. If it is only a short while, then it is easier to argure that you have not contributed to the upkeep of the house. However, if you have been married for a number of years, this will be more difficult.
Even if you have never paid the mortgage directly or given money to your wife to do this, your creditors may still argure that you have supported your wife in other ways and therefore you are stil entitled to a share of the property.
You must carefully discuss your circumstances with an expert and they will be able to properly advise you
James Falla
Expert in IVA, Bankruptcy and informal Debt Management solutions, with extensive experience of solving personal debt problems over the past 10 years. I am regularly featured on BBC News, Finance Programs and Radio.
Visit my blog at:
http://jamesfalla.blogs.iva.co.uk