Finally decided please advise

Caroline73_2

Why do you keep discussing whether things are in your married or miden name? It makes no difference.

purple-pear

Thankyou fiveryearplan is that definetly correct as the other replies seem to disagree, the mortgage is in my madien name, all the debt in madien name, bank account in madien name, passport in madien name, driving licence in madien name etc only thing is tax office snet new code thro in married name.

Yes want house to be repossessed then rent but will have massive shortfall approx 50,000.

purple-pear

Caroline that is why I posted for clarification on this I dont want my husband to have to go br aswell if I can avoid this it makes sense think most people would think the same?

purple-pear

I am right in thinking then if all the debt in my name alone then thy wont chase him regardless of bein married as it wasnt joint debt?

I am scared of getting done for fraud as well not avoiding telling the truth as I was married when I applied for all the credit and the mortgage and didnt declare this as I didnt want associating with my hubby bad credit rating - rather ironic now I know.

Dont want to land myself in a fraud case.

Caroline73_2

purple-pear wrote: »

Caroline that is why I posted for clarification on this I dont want my husband to have to go br aswell if I can avoid this it makes sense think most people would think the same?

What your name is totally irrelevant - the only relevant thing is whether it was joint credit. You could take it loans as Mrs Smith or Miss Jones, only you are liable. If you took a joint loan out as 'Mr and Mrs Smith' or 'Mr Smith & Miss jones' then he would be jointly liable.

Your name is irrelevant - you could change it Martin Lewis by deed poll and it doesn't matter. When you go bankrupt it will be by all names.

Merry_Gentry

purple-pear wrote: »

I am right in thinking then if all the debt in my name alone then thy wont chase him regardless of bein married as it wasnt joint debt?

I am scared of getting done for fraud as well not avoiding telling the truth as I was married when I applied for all the credit and the mortgage and didnt declare this as I didnt want associating with my hubby bad credit rating - rather ironic now I know.

Dont want to land myself in a fraud case.

I'm still a bit confused

If the debt is ALL yours, and your husband's name is not on it in any way shape or form, they will NOT chase him.

If the debt is JOINT or SHARED with your husband, regardless of what name you signed it in, if you go BR they will chase him for it.

I hope that helps.

purple-pear

ALL the debt is mine even the mortgage his name is on nothing at all so if the house did get repossessed could thy chase him just because he is my husband even tho his name has never been on mortgage?

Also am I being paranoid or could I be done for fraud for not puttin down that I was married when I applied as I was a Mrs legally not Miss and I applied for it all as Miss.

Sorry if I am confusing everyone confusing myself my head is all mushed up dont think my hubby and I will be toghether much longer at this rate I am like a zombie glued to my laptop.

Merry_Gentry

I don't have an answer regarding being done for fraud, but they can't chase him for your debt just because you are married.

purple-pear

Thanks mysterio so basically I could be done for perjury either way I cant win

Merry_Gentry

purple-pear wrote: »

Thanks mysterio so basically I could be done for perjury either way I cant win

I don't understand what you mean about not being able to win either way???