ok....
I have just had my session with CCCS and one of the main recommendations was to consider bankruptcy... this is really tempting and I wish I had acted on it 8 years ago but I thought I could manage it all... I had, and still have the opinion that I took out the debts so I should pay them back but its becoming impossible. These are debts from my bad divorce from xdh in 2003 (Awful solicitor, I ended up with most of his debts! arghhh)
anyway, in our house, hubby (been together 5 years, dsd (16) my ds (12) and our DD (21 months)) gives me a chunk of his wages each month towards bills etc and then I pay everything. It is tight and any suggestions of more money is met with huge arguments and tension... (he basically fritters/drinks £200-£300 a month...)
this has really affected my ability to pay my debts, along with the periods of when dh wasn't working/paying less than he should have done...
we have no assets, no savings and I still have 7-8 months of my PhD left and no job lined up yet...
we are arguing alot and I don't know if we will stay together or not, and I know that if I say I am doing this he will moan, metaphorically bash me on the head with this etc and try and say it will affect our future hopes of buying a house. my thoughts are that my credit record is shit anyway, and at least with bankruptcy in 6 years it will be clear, without it we will have no money and still have the debts on the credit records!
would IBU if I just did it and didn't really tell him?