newbie

[plasticdaft]

Your husband will need to pay you child maintenance, so that also needs to be taken into account when calculating your disposable income. Would he be able to pay this and all of the bills associated with the house, with no contribution from you in the future?

Surely if the hubby is doing the kicking out then its his problem to be able to pay the household bills and pay for child maintenance?? And this is a mans point of view!!!

[look_divine]

its his house as he keeps reminding me, so if he cant pay the bills he will need to sell and move to a cheaper house
would i also be able to get childrens tax credits do you think or will i earn to much?

[MelanieGiles]

Well a subsequent Trustee in bankruptcy might disagree with him on that point - I certainly would if I were acting. If you have been married for nine years then you have developed some form of interest in that property which could be pursued.

With regard to child maintenance, the CSA generally rules that if is 15% of his net take home pay for one child, 20% for two and 25% for three or more.

[indebtforever]

i know you have made a mistake we all have with debts but we are talking about your husband putting you and 2 kids onto the street surely he has to help in some way i remember the priest saying through thick and thin if you and your husband have a good credit record could he not release some equity in the property to maybe offer a full and final settlement to the creditors?sorry if i am speaking out of turn but he has a responsibility also[:I]

[look_divine]

to be honest id rather just leave him and sort it myself, hasnt been the best marriage anyway and i tell you what if i do it again shoot me

[plasticdaft]

Perhaps this can be seen as a blessing in disguise. Your debts may force your hand to re look at your life.

Good luck with whatever you intend to do.Always remember the children come 1st in whatever you do(not that you would need reminding of that).

[Viki.W]

Hey look divine, I just wanted to welcome you to the forum and say how sorry I am that you are having to go through this. If, as you say, your marriage was in trouble before all the debt issues then maybe this can be a fresh start for you. You will get lots of support and advice here so keep posting. I would recommend you give Melanie a call tomorrow so that you can go through all your options. Good luck, Viki X

[look_divine]

there is no equity on the property well not much i shouldnt think, besides to tell you the truth im quite happy to leave and walk away and start a new life with my kids

[indebtforever]

well if it hasn`t been the best of marriages and he is throwing you and the kids on the street i wouldnt be letting him off you have claims to that house and child maintenance i hope you sort it out keep posting you will get plenty of support and advice from the experts on here

good luck

[look_divine]

plastic daft my kids are my world id rather starve than see them suffer thats why i want to restart my life

[look_divine]

im not a nasty person i know he needs a home for the kids also to stay etc
I think I want to go as more than he wants me out
fresh start new life no husband sounds like heaven to me or am i being cruel?

[indebtforever]

there not all bad [:D]

[look_divine]

no i suppose there not only the ones i have had dealings with

[kallis3]

No, you're not being cruel, you're doing what is right for you. You can make a fresh start and it sounds as though that will be a good thing for you and your kids. I wish you the best of luck.

[plasticdaft]

There is no point is carrying on with a marriage if you are unhappy. Perhaps you will look back on this day in a few years time and think yes,that was when I decided to start again.

Life is far too short to have regrets.

Hope it all works out for you.