Do I have to declare my partner's income on SOA?

minic

Hi All,

Looking for some advice. I have my bankruptcy hearing next week and am in the process of filling in the necessary forms. On the SOA it asks for my husbands income, I have no idea what he earns (we have always had separate bank accounts) and he does not want his income going on the form, and I can understand why, afterall my debt is nothing to do with him.

We have a joint mortgage and secured loan however he has been paying these each month for at least the past year with no contribution from me. Obviously I will need to include details of the mortgage and secured loan on the soa as they are in joint names but when I list my living expenses in the soa should I exclude them as I currently make no contribution? I'm currently unemployed but am looking for work so once I have money coming in I'll start contributing to the mortgage again.

minic

For some reason the end of my post disappeared...


Is it ok to exclude my husbands earnings from the soa and put nothing down for mortgage, secured loan, council tax etc.... as these are paid by the hubby and just list the things that I pay for out my child benefit?

Thanks, M.

tigerfeet2006

You need to complete a full SoA. You put the joint household bills down and your individual expenditure. Then you put your full income down and the amount that your OH contributes to the joint household bills. Not his full wage.

If you don't then the OR will assume you each pay 50% of the bills which will leave you short.