Its gone too far

nikkikuz

When i left school, over 10 years ago. I applied for every loan and every credit card i could and maxed them out trying to keep up with my cool rich friends.
Now 10 years on, i am on a debt management arrangement with a company called Debtcare but i am unsure whether they are ripping me off.
My husband doesn't know any of this and has recently started talking about buying a house together.
I need to tell him the extent of my debts and that there will be no way in us getting a joint mortgage.
I am so so scared that he will go mad and want to divorce me due to my decieving him for so long.
Also, now that we are married, does that mean that my debt is now his debt also????
I just dont know what to do.

Anyone out there know whether debtcare are a reputable company. Or can recommend any reputable companies who can help me.

:eek:

nimbo

your debts shouldn't be linked to him if you don't have any joint financy things together is my understanding....

some one will be along soon who knows these things....

Numpty_Monkey

Hi Nikki :hello:
The debts are not linked to your husband but if you get a joint mortgage that will be and will adversley act on what you can get

As for debtcare drop them like a hot brick they are ripping you off
contact on of these Non-profit Debt Counsellors' List

as for telling your OH you really should, I know it will be difficult Martin has a bit in his dealing with debts video http://www.moneysavingexpert.com/loans/debt-help-plan about the last 5 mins

You've made a start :A

RAS

amnd maybe read this thread https://forums.moneysavingexpert.com/discussion/2540507

Quite a few people here have had to tell their OH about debt and nearly all have been OK.