Voluntary surrender of property

dimbo61

Get a lodger now and this can help with the mortgage and the bills.
Get a second job and look at all your spending and try to cut back.
Have you still got joint accounts ? close them now and transfer into a single account.
Your ex may well be claiming CTC. CB. WTC. IS. CSA!! and working part/full time.
Where is she now living with your son ?

Thrugelmir

The only difference between a forced and voluntary repossession is the court fees. The process is precisely the same. Bailiffs to change locks etc.

You will still be liable for the (increasing) debt until the property is sold.