How can I find out if both parties are paying ?? Is this easy ?? We've not discussed bankruptcy !! I'd like a 25% - 30% payment to be accepted and then walk if possible

I have no idea what, if anything is being paid by the other party. My partners plan is very minimal as she rents currently and doesn't earn a mass amount anyway. I'd think that a one off lump sum from me is better than 20yrs of a v.small amount ?? Help

Guy's, My new partner and her ex fell Into financial trouble after a job loss and subsequently their house was repossessed and sold with o/s debt. She has now had letters and set-up a payment plan of what she can afford. If I was to offer a % of this debt would it remove her liability for the remaining debt ?? We are wanting this nightmare to end and need to get on with our new life together without looking over our shoulder HELP PLS.

** UPDATE ** They have sent me breakdown of the £38K, Basically stating how much the house sold for Less their fees i owe £38K. I am unaware of how they have come up with a Starting Figure of £165K - I have asked again for a complete breakdown of everything - i have 12 weeks to go and this is becoming stressful to say the least !

Lea, Thanks - A Recorded Letter has gone both to My Lender and to Optima Legal !! I am still worried regarding the remittance/acceptance - They said they would escalate if they did not receive by COP 16th May ! But when i spoke to them they "vebally" extended this until the 18th May. I doubt i will have the requested info back by them - What do you suggest i do ? Ihave been to the doctors today as i am worried of the toll this will take on the health of my and my unborn baby - they have advised rest for at least a week !

Because all of my dealings are now dealt with via Optima Legal do i request the SAR From them or do i ask my mortgge company direct ? Would they look for a lump sum payment or a Payment plan ? I have a car that my friend purchased for me but i need this to get to work etc. I could sell this and maybe borrow off friends to maybe get a £10K lump sum - But i fear this would not be enough for them to accept. What do you think ? If half of the Shortfall = £19K Minus Additional charges would £10K be acceptable in your opinion ? This is only a last resort - If i cannot raise these funds then i fear i could be paying £100-£150 a month for the rest of my life !!

p.s. Lea - I do appreciate your help so far.........

The solicitors letter i have received states i need to reply with a remittance/acceptance notification by the 16th May - they have asked me to fill in a expenditure from etc. Will the fact that i am now 6months pregnant make any difference - i am due to go on maternity leave in the next two months as obviously my incomings will reduce once i have given birth. I feel somewhat helpless and disappointed that i have been left in limbo - my Husband had notified the mortgage company of our seperation - but this has not made a difference it appears !

For the Repo - Would myself or my husband have had to attend ? My Husband states to me that he was not aware of any court date etc. I was completly in the drak over the whole affair - I contiued to pay my 1/2 of the mortgage assuming it was being paid as the house was up for sale. Who can i contact to see what communications were made - Is there anything i can do to reduce my shortfall contribution ?

Guy's, Moved away from my husband nearly 2 years ago and continued to pay my half of the mortgage to him - Unbknown to me until the day before - he had been instructed to vacate the property as locks were being changed. He claims he had not received any previous communication - How do i get this ? Now i have had a letter drop on my new premise ( living With Friend ) with a demand for £38K in shortfall charges etc. - WTF ?? I am in a right state - i do not know who to turn to and urgently require your assistance - ANYBODY pls. !! Thanks