Ex has IPA, getting back together worries.

DeepsUk

HI, I am separated from my Wife and have 2 children that live with her. She is bankrupt and has an IPA. I still pay most of the bills and give her around 150 p/m towards the kids. We are considering getting back together with me moving back in, my main worry is that although she works and takes home around £320 per month plus Child benefit of £140ish per month. I take home around £3200 with personal debt outgoing of £270 a month, how would I be affected?
Would she be responsible for a portion of household bills etc even if they were in my name?
The main reason for the split was her debt and financial irresponsibility. I also have a good amount of savings. I don’t want to fall into a financial rabbit hole again.
Many thanks

Minkym00

If you move back in then, when she tell her OR, they will then send out a new questionnaire to fill in so they can reassess her surplus income.
If you move back in then all household bills are assessed, no matter whose name they are in.
With two adults in the household they will split the expenses liability 50/50They also can’t touch your income or savings – the IPAs is hers alone and your assets are your alone. If however, she is paying less than 50% then they can claim the surplus under the reassessed IPA.
It would be a good idea if you posted her income and expenses on the forum for more tailored guidance.

MovingForwards

Can't offer any advice about your questions but wanted to ensure you have dated each other for a while, spoke about what changes are going to be made and stuck to as your relationship has changed, the reasons you split need to be resolved and you have to know you can move on from it and build a better relationship than you had before and it continues to blossom. Without working out the issues there is no future.

Good luck