Moving in with Partner whilst making token payments

everycloud_3

Good afternoon,
I am new to MSE but after being a lurker for a while I am hoping that someone may be able to offer some advice.
I am currently a single parent to 2 young children. I have a lot of debt that I accrude whilst I was married to there dad. We seperated over 2 years ago and since that time I havent been able to pay anything towards my debt.

I have sought advice from CAB and also the AIB and collectively come to the conclusion that token payments to my debtors will work for me. I am in the process of sending off the first of the letters but something has just occured to me.
I have been with my partner for over a year and we are hoping to move in together at some point in the future. What I am would like to know is when the debtors come to reassess my financial situation will my partners income be taken into consideration? The debts have absolutely nothing to do with him and when we move in together it will be in his house that he owns, I will not be on the mortgage I will only help contribute towards bills etc.

If anyone can help with this it would be much appreciated. I know that it is going to take a very long time to pay off the debts that I owe but it is the only way and bankruptcy isnt an option.

Many thanks

Tixy

Hi and welcome to the forum

Your partner won't be responsible for your debts and his income cannot be taken in to account.

Obviously if you move in with him and as a result your outgoings do reduce then you may want to reassess what you can afford to your creditors.

everycloud_3

Hi Tixy,

Many thanks for your help, much appreciated. I was aware that my tax credits etc will change but I hadnt considered my token debt payments. Understand completely that if I do have any extra money then it would be beneficial to reassess things.
Thanks again! :)