About to enter a dmp, worried for my partners credit rating

Sadbutneedtoturnitround

Morning, 

im about to enter a DMP, although im worried about my partners credit rating.

we live together and have a mortgage together although we aren’t married…

will this affect her credit too?

Thanks 

ManyWays

Living together is irrelevant, being married would be too if you were.
A joint mortgage is a financial link between you, so it will have a small impact on her credit rating.. But so would would missing paymements, payments arrangements etc. If you have too much debt to be able to pay the minimums, there are no debt options that won't affect your credit record. 

Quick check, I hope you are not going to be paying any monthly fees for this DMP? And that you have a "generous" enough budget to be able to cover all the erratic costs you get during the year? 

RAS

@ManyWays, see other thread re debt, think you have useful advice.

Grumpelstiltskin

OP Please stick to one thread and do not jump into a DMP before your debts have defaulted and you have saved an emergency fund. Jumping in too soon is a big mistake.