New partner liable for my debt?

National_Debtline

Hi all

Quick response for now as I am on the move but I will check back in later.

The context here appears to be that OP is seeking a DRO. In our capacity as DRO intermediaries, we would normally seek details of the partner's income purely in order to determine how much of the household bills OP should be expected to foot.

Another way of putting it is that of the household's overall disposable income after paying all the usual bills, OP's share for DRO purposes would be proportionate to his/her share of household income.

Hope that is of some use but like I say I will check back in later.

Regards

Dennis
Twitter: @natdebtline

fedupandhurt

National_Debtline wrote: »

Hi all

Quick response for now as I am on the move but I will check back in later.

The context here appears to be that OP is seeking a DRO. In our capacity as DRO intermediaries, we would normally seek details of the partner's income purely in order to determine how much of the household bills OP should be expected to foot.

Another way of putting it is that of the household's overall disposable income after paying all the usual bills, OP's share for DRO purposes would be proportionate to his/her share of household income.

Hope that is of some use but like I say I will check back in later.

Regards

Dennis
Twitter: @natdebtline

As i said earlier my income is child benefit then joint tax credits.

So what you are saying my partners income is her income, but then you say its household income.

What if after we have paid all the bills my partner does not want to share her income and spend it paying my debts for me.

I only have child benefit in my name and and tax credits claimed as a couple, i feel like im going to have a breakdown.

I don't understand all the terms like proportion etc which is why im in this mess in the first place.

-taff

It's assumed she will be paying her share of the household bils, but they need to work out what she would be paying [ which would basically be half each of the bills] to work out what you should be paying to your debt

National_Debtline

fedupandhurt wrote: »

As i said earlier my income is child benefit then joint tax credits.

So what you are saying my partners income is her income, but then you say its household income.

What if after we have paid all the bills my partner does not want to share her income and spend it paying my debts for me.

I only have child benefit in my name and and tax credits claimed as a couple, i feel like im going to have a breakdown.

I don't understand all the terms like proportion etc which is why im in this mess in the first place.

Hi again

I don't know where I've suggested that your partner's income has to be used to pay your debts but I'm sorry if that it is how it has come across.

If your own personal income is on the low side there's a good chance you can have the DRO, in which case no one is paying anything.

If the references to proportions etc. are not clear then why not give us a call tomorrow. It may come across more clearly over the phone.

Kind regards

Dennis
@natdebtline

dancingfairy

Nobody has said your partner will have to pay your debts. She will not. You pay your DRO fee and the debt will be wiped, you have no income apart from benefits so you should have no problems.

They only want to know how much she earns to check you are paying a fair share towards the bills. As you are on benefits then you obviously can't afford to pay many of the household bills.

I appreciate this is all very stressful for you but you are seeing problems where there aren't any. It will all work out in the end I promise. Once you have got the DRO approved the debts will be wiped and it does seem like a very good option for you.

df