Need advice as I'm terrified.. (mental health issues, Controlling ex partner)
in Bankruptcy & Living With It
8 replies 301 views
Thank you for reading.
Basically i am diagnosed as suffering from chronic depression. This depression led to avoidance when it came to money issues and with an ex that i trusted with our finances meant i have been drowning for years and its nearly taken my life with numerous suicide attempts.
I have about 40k in debt. 35k of that is a house repossession but that's split with an ex and all my other debts credit cards, loans etc)
I am not at work and being supported by my new partner. She is on a good wage and with my new set up i don't really need to work as she can afford to pay for everything ( i am so lucky)
I want to have a complete split from my ex. She is not in a position to pay off debts and neither am i but i am considering bankruptcy. She won't be allowed to do the same as she works for a place that if she did she would lose her job.
My fear. My fear is that a lot of my financial decisions in the past have come from a controlling ex and severe mental health issues. I'm sorting out the mental health issues daily and i have rid of the ex. If i go bankrupt i am worried i would be judged as reckless and this would make the bankruptcy harder for me causing me more issues in the future.
Also, i have no idea who all my creditors are because i have moved a few times, changed number a few times and the debt got sold so many times it was hard to keep up. Any advice, experience with this would be greatly received.
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