Don’t use a debt company . Go to a charity like CAB or CAP . Despite the name ( Christians against poverty ) they are open to everyone and their workers are excellent) .
They will take you through everything step by step. It might not be as bad as you think.
You are doing really well BTW. It’s a horrible time but there’s light at the end of the tunnel. You will all be much happier without him.
And you’re right, he’s not sleeping in his car / in a tent / on the streets or whatever nonsense he’s told you. I used to work with street homeless people and in all the years I was there I NEVER saw a guy with a job / car/ savings / friends and family arrive at our door because his wife / partner had kicked him out.
Well actually I did see one. The police removed him from the FMH because he was abusive and he made a huge fuss saying he had nowhere to live. So the police brought him to us ( they bring a lot of our guests ).
He sat in our place sobered up and in a state of shock, drinking coffee and looking around him at the other guests who all have addictions / severe mental health problems / just out of prison / history of serious violence, rough sleeping etc .
And then he was off in a taxi to stay with a family member.
Yes he was the big violent aggressive one at home in front of his wife and children. But surrounded by our other guests ( most of whom are 10 stone dripping wet ) he was terrified . Couldn't even cope with an hour in a homeless shelter.
Your ex is undoubtedly with a friend or family member @7917Kj. Don’t waste your sympathy on him.
You will know when he gets his own place as he will come for the rest of his belongings .