Boyfriend's debt and CCJ

Claz_2

Argh, my post was just eaten so I need to start it all over again! i bet this 2nd one will ramble as much as the 1st, sorry!!

I have a DMP which is managed by CCCS, and I'm happy to say, with the exception of LLoyds TSB - boo hiss, I feel that I'm tackling my debt repayments and finally getting somewhere - albeit slowly!!! My debts mainly occurred as a result of a long term relationship breakdown, and the effort to get back on my feet, rather than chasing a hedonistic lifestyle! I've learnt to budget down to the last penny, and in an odd way, feel proud of myself, of how I've learnt to budget and change the way I look at spending and material things.

So, you can perhaps understand why my current partner is causing so much worry, anger and frustration. As a result of losing his job at the beginning of this year, his debt has in my opinion spiralled out of control - something that he is refusing to acknowledge or tackle. He found work not long after, but the low wage leaves him practically nothing to put towards repaying his credit cards/loans. He has mentioned about getting the money together to go bankrupt (thought I doubt he has even bothered finding out the consequences or the process), and so far he has done nothing.

He moved in with me (before he lost his job), but all of the debt is registered to his mother's address, where he previously lived. I suppose in an effort to protect him, she has told the creditors she doesn't know where he now is, but gave them our contact number as the last number known. She sends on his post, which for the most part goes unopened unless I force the issue of him finding out what is going on.

As well as daily messages from creditors and those representing them on my answering machine, and endless letters from them, I've just found a CCJ (his co-operative bank loan), the claim form, followed by the judgement, as he failed to respond. I'm worried about how this will impact on me (selfish i know, but I've worked so hard to get on top of my debts), and on his mother whose address the debts are registered to. And I'm concerned about what will happen next, not to mention really angry about his ongoing refusal to acknowledge that he is in trouble.

Does anyone, especially those of you who have been in a similar situation, have any advice for me? How do I make this man face up to the problems? Half of me wants to tell his mother to stop sheilding him, but that will bring it all to my door, and I don't see why I should have that added stress. I have offered to sit down and help him see what can be done, but it never happens. Any suggestions anyone? I know you're a wise bunch of folk, your opinion and advice would be appreciated.

Burlesque_Babe

As long as you don't have any joint accounts, you won't be linked in any way and it shouldn't affect your credit report or applications.

If you want to tackle it head on, gather everything together and make him sit down with you and open it all and go through it. Be firm with him, but fair - emphasise you want to help and can do, but explain how unfair it is on him to let the worry and responsibility lie with those around him.