Advice re debt and separation

[morethanmeetstheeye]

Ok, so ex-to-be was meant to move out a while ago but hasn't.

He has told me he has debt (I didn't know) and he's worried about his job

He can't afford to move out

What the hell do/can I do?

I need to avoid selling the house if at all possible

Anyone? Really could do with some advice

Are you married?
Size of debt?
Earnings potential?

Married.
No idea of the size of debt as he won't tell me
I earn £20k ish

I always hate to say it but you need advice. The problem is you can't afford a solicitor at £300+vat an hour!

Is there a law centre you can visit for free advice or a CAB?

Otherwise all I can see is you representing yourself and issuing divorce proceedings but you will need to read up a lot on it

He would need to tell you the full amount at some point! Sooner rather than later so you know what you’re dealing with.

Get all the fact and post on here, there are very helpful and knowledgeable posters on divorce/separation a money matters boards, but you really need to get all your facts ready first otherwise there is no point. Consider size of mortgage/time left, childcare costs and other financial responsibilities, what does he earn? You cannot plan for anything if you don’t have the full facts first.

Also, check your credit report asap online and see if you can sever yourself from him financially asap before he runs up even more debt.

Do you own or rent your home?
Do you have DC?
Do you have any other assets?
How much does he earn?

If he won’t move out, why don’t you?

My ex did this to me. Turned out there was about 60k in debt. I had to pay for half of it as it was matrimonial debt, even though I never ran up a penny of it. The only way to do it was to sell the house. If you're married you will probably be hit for half of the debt

I have a feeling we'll have to do the same and sell the house. I feel sick. I'm the one who has put the most into the house so I stand to lose a lot. I'm so so fucking angry with him.

He refuses to engage in a conversation at all. It's all 'not my problem' as when he was fully earning he was'dealing with it'

So I'm getting nowhere.

Can I start divorce proceedings/force sale of house if he's still here? It's going to break our son's heart

You can kick off divorce proceedings but you cannot force his to either move out or sell the house without agreeing finances amicable or going to court