2 problems, financial association and money spending OH!

Firsttimebuyer_4 · 21 January 2008 at 11:09PM

affordmylife wrote: »

Hi

Dont have time to read the whole thread at the moment but will come back tomorrow and catch up.

I know you wish to financially distance yourself from your wife to be but once she is your wife do you debts not become a joint responsibility.

As someone else pointed out if she becomes out of work for whatever reason and cannot make her payments/indulge her rediculous shopping habit then who will. Can a wife go bancrupt. And then continue as before but with husbands money instead?

Some serious questions need to be looked at here.

Each person is responsible for there own spending habits and it seems like you are dealing with yours but she prefers to pretend she is behaving normally.

My very first thought when reading your long post was 'she is a spoilt brat'.

Sorry - no offence meant.

No offence taken. Many said the same as you. The thing is...she's now realized that she can't keep spending. Her card was not authorized in a shop, she has no money AT ALL to go out. It was her own idea in the end to do a DMP (with my help) and I genuinly think it's hit her.

As for us getting married the debt will still be her responsibility. It is unsecured debt in her name. If we go for an IVA my salary will be included in terms of paying proportionally more for joint bills as my salry is higher. It will not be included for paying off her debt. Getting married has no impact on her debt as such. She will get her credit rating damaged which in turn will damage mine by being assoicated with her (at my own will

). But at no point will the debt be mine or even jointly mine. That's what unsecured personal loans mean.