How to go bankrupt

Does she have a welfare rights officer at her local Council? They will normally help Council tenants for free and give others guidelines. The bankruptcy filing fee (£310.00) will need to be paid by her in cash - or on her behalf by someone else. Some charities/funds will put up the money on a persons behalf.

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I believe her hubby part-owns the house himself. AFAIK she is not known to be living there - i think she planned to get away from her creditors when she left me.

She barely as £3.10 let alone £310 she would never get her hands on that much cash without taking out another loan!!!

No. The husband is only liable for debts he agreed to.

In message , Mart writes

In the nicest way, this is probably something which she and her husband should work out so, perhaps the best advice you can give her is to go and see the CAB with her husband.

Regarding the final demands, return them to sender, unopened, marked gone away.

Why can't she get a job? If she's completely living off someone else, then most of her earned wage could go towards paying off the debt(?)

Well thats if I didn't take it for child support! I am looking after our kids. To be quite honest she's got a lot of problems, she's not the brightest of sparks and will only ever get low paid jobs. I totally agree but I spent years of our relationship trying to get her to work. I know I shouldn't feel any sympathy for her but I do still care and I want things to go smoothly for our children.

I don't know a great deal about the legal side of things- but it appears to me you have a real moral dilemma.

You need to distance your affairs from those of this other person as far as possible. That includes following advice you have already been given about returning letters unopened and doing nothing to perpetuate the idea that your address is still hers.

Are you sure that none of the loans were taken out in your name?

I think the possibility of bailiffs arriving at your door as you asked originally has to be quite high.

How do you define a low paid job? Even 10k per year would make a substantial difference to 10k debts.

Doing the right thing is not necessarily the same as doing the best thing for your ex-partner. I would be inclined to say the right thing would be to pass on contact details to the companies she owes money to and leaving her and them to resolve it between them. You are at risk of drawing your children into this and making them suffer for it anyway, particularly if you land up being responsible for some of the debts.

Neb

Maybe you can end up paying her fee for her. That might be a good option for you and the children in the medium term. I doubt she would have to pay the other fees if she was getting benefits.

The other possibility is to look for a charity which might pay the fee for her. Were you or her ever in the armed forces? There is a charity which helps such people and is prepared to pay the filing fee. What sort of profession are you in?

AFAIK one loan was taken out in my name. This was done fraudulently, however the company has totally removed me from the loan after I provided proof of signature.

Well while she lived with me she had a couple of part-time jobs and a couple of "full-time" jobs. None of which she held down for long.

I have contacted companies and passed on her new address. She agreed I could do this. However most of them need confirmation from her - she is too scared to contact them.

I would like to pay the fee for her, however I am currently looking to seek a residency order for our children. I will probably need all my money for this.

I'm in an office job.

OK - can you be more specific about the type of job or firm? I can look up funds/charities which might be able to help.

For example you might work for a delivery company - the Road Haulage Association have/had a fund.