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DMP & Unemployment
Bluehornet1
Posts: 4 Newbie
Hi Everyone,
Please let me know if I'm posting this is in the wrong place....
My better half is currently in a DMP with Payplan and has been for about 4 years, before we married she had debt issues which mounted and resulted in her owing circa £18k split across various companies.
She's had various health issues since the birth of our children and had to give up working approx 6 months ago, so since I've been paying her DMP of £150 a month. So my questions...
As she no longer works would she be in a position to re-negotiate her DMP? As we are married am I liable for the debt? Would this have any (more) negative affect on her credit file?
I'd like to make it clear that I am not advocating debt avoidance, but with a drop in incoming's and my own credit re-payments, I'd like to know where we would stand
Thanks in advance
Please let me know if I'm posting this is in the wrong place....
My better half is currently in a DMP with Payplan and has been for about 4 years, before we married she had debt issues which mounted and resulted in her owing circa £18k split across various companies.
She's had various health issues since the birth of our children and had to give up working approx 6 months ago, so since I've been paying her DMP of £150 a month. So my questions...
As she no longer works would she be in a position to re-negotiate her DMP? As we are married am I liable for the debt? Would this have any (more) negative affect on her credit file?
I'd like to make it clear that I am not advocating debt avoidance, but with a drop in incoming's and my own credit re-payments, I'd like to know where we would stand
Thanks in advance
0
Comments
-
Hi
If the debts are in your wifes name only then the DMP should be based on her income only
If any of the debts are joint they might want to come after you for the balance:(
Your wife neds to call Payplan and explain it to them, they may(should) sugguest token payments of £1 a month her creditorsPROUD TO BE DEALING WITH MY DEBT NERD #869
DFD 5/1/16Numpty,Not sure why but I'm crying
. Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & 
for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
xx0 -
Yes it should be reassessed on her income. No you're not liable unless any debts are joint. She's probably got defaults etc already from the DMP so her credit rating is not likely to be affected anymore.
If you post up a statement of affairs then people can advise more.Unless I say otherwise 'you' means the general you not you specifically.0
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