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Ex in debt and so we must all suffer?
My long term boyfriend hasn't been able to get a divorce or move out of his old house with his ex because money is tight and we have all just been 'getting by'.
We just found out that his ex has maxed out 6 credit cards so she can't pay for her half of the bills. I am on JSA and don't get much as I still live at my parent's but pay quite a bit of rent.
I need to know if my boyfriend will be expected to pay off her debt when the marriage is officially at an end? I do not know much about credit cards as I do not have one and never have had one in my life and don't think I would be allowed one as I am always in my overdraft.
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He might be held liable unless it can be shown that they were separated at the time that she ran the bills up. Since he's still living in the same house with her, that's going to be hard (if not impossible) to demonstrate.
One thing you should keep in mind: she's not his "ex", she's his WIFE, and that's what she will be until they are divorced. It doesn't matter if he doesn't love her any more or if their relationship is otherwise in the toilet - legally, she is his Wife. If they're living in the same house, then they're not even separated. If he's seeing you romantically, that makes him guilty of adultery and gives her a grievance, which she will be able to use to get alimony payments from him when they do get divorced.
Or rather, IF they get divorced. I suggest you strongly reconsider this relationship with a married man and think about how long you can go on being the Other Woman, because until he's at least legally separated from his wife, that's what you are. I strongly suspect that he's stringing you along because he can't man up and do the right thing, which is to make a decision about whether he wants to stay married to his wife or be with you, and then actually follow through on it.
The credit card debt is really the least of your worries. The fact that you're involved with a married man who looks like he's going to stay that way - that's the real problem.
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The important question is whether or not he co-signed these credit cards.
If his name is not on the cards, then he is not responsible for them.
If his name is, then he is.
Any credit cards in both of his name and hers should be canceled immediately. Generally speaking, if she maxed out a card with his name on it, then it's better for him to pay it off as quickly as possible, and then go after her in court for the money. It's more damaging to leave the debt there.
He should try to find a financial planner who will give him some advice. Many legal aid places have someone who can talk to him about his specific case.
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Well first you need to find out if they are sharing the bank account or it is all separate? Who's names are the bills registered under?
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