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Wednesday, 16 February 2011 15:15

If I Go Bankrupt Does My Husband Have To Go Bankrupt Too?

Written by  Jon
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I am a home owner and cannot afford to sell my home due to negative equity and have been deliclined consent to let from mortgage company. Myself and my husband have now relocated and are living in a rented house due to my husbands new employment stipulating that he has to live within a certain distance from work and the owned home is stood empty.

I am the only person named on the mortgage as i had the house prior to myself and my husband meeting and am currently a full time mum so have no employment income and my husband is supporting a family of 4. The mortgage is now just about impossible to pay along with paying out rent.

 If i was to go bancrupt basically just to cease responsibility in the house what do i need to do due to being unemployed and would my husband have to go bancrupt too?

Answer:  Being employed or unemployed makes no difference in going bankrupt except that you may be required to pay into a bankruptcy if working.  In bankruptcy either you are insolvent or you are not.


If you have no joint debt or assets with your husband, and as you say you do not, just because you are going bankrupt does not mean your husband has to go bankrupt as well.


I hope this has answered your question.

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If you have a serious debt problem, bankruptcy can free you from your debts within 12 months. As a solution for dealing with serious debt, bankruptcy is a last resort. Other debt solutions need to be explored first, to help determine if bankruptcy is the right debt solution for you.


Your financial affairs are put into the hands of an Official Receiver or Trustee, who will control all your assets - and if you own a property, this will also be included. These will be sold and the money used to pay as much as possible to your creditors.


There are consequences to bankruptcy which will affect your finances and work life. You may struggle to borrow money, for example, and will not be able to apply for certain jobs.


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