Thank you, abc123def. Appriciate your good point. My Ex died before he could be discharged. Does it mean there is no chance that the secured debt could be wiped off? Even after a few years? At the moment, i rent the property out to keep the mortgage payment, I think I can manage the mortgage payment. The problem is my extra's sole debt, nearly 10,000

It is not only solicitors are not reliable. Even the Court's Order is not reliable. I have dicussed with my solicitor. He told me that it is my responsibility for my the deceased's debt. He said when I purcashed the bankrupt's interest, I purchased his debt as well. He simply advised me to negotiate with the creditors to settle down the debt. I am not conviced. I went back to the Official Receiver. He said they can not do any thing to secured debt. It is my own problem to deal with. I found out they are right. Secured debt can not be wiped off when you bankrupt. The mortgage lender has the right to protect their interest. They can refuse to transfer the mortgae from joint name to sole name if they are not confident with the applicant. It seems it is nobody's fault. it is the law's fault. The court made a Justice which it is impossible to achieve. And I became the victim.

I have got some advice from different resources. The Mortgage Lender is not tied to anything happaned between the joint debtor. And the court has no power to rellocate the debt. The worst is that I have to pay my Ex's other creditors who made restriction on the propery againt him, not me. One of them is the Legal aid. The legal aid funded my Ex for hiring Barrister to agaisnt me and convinced the judge that he was able to pay the mortgage. Now, It ends up I have to pay the legal aid for him, which is over £6000. Where is the righteousness in our law?

I post a Thread earlier Need help with the bankrupt's (deceased ) secured debt I would like to add some background information to it, hope some one can guide me to seek the righteousness. The bankrupt (deceased) is my extra husband. When we divorced, the court ordered him to release me from the mortgage and transfer the property to his sole name without paying any monies to me. due to he had no income, the mortgage lender refused the transfer to set me free. The Ancillary relief was a clean break in life and on death. Who can believe extra's death bring me £30,000 debt? Where to seek for righteousness? all the debt are not my responsibility originally. After he went bankrupt and died, the mortgage lender traced me, I had to take over the house and rent it out to pay the mortgage. If I let the mortgage lender repossess the house, they will trace me for the shortfall. I did not want the house at all, the house is negative equity . The creditors are entitle for the money for the house, but the house is negative value. What should I do? I am in the situation that I can not sell it or pay for the debt.

Hi, My extra husband went bankrupt and died, left with a joint name property with £-20,000 negative equity and 2 restriction on the property. Please help to deal with the secured debtors. There are two creditors made restriction on the property for my Ex husband's beneficial interest . One is Legal commission service. The other is a leathing company. The restriction made by the leathing company is based on a Interim Court Order in 2010 before bankruptcy. The Trustee (Official Receiver) released his interest to me for £1000 because the property is negative value. The land Registry has changed the property to my sole name but the restricton can not be removed. The creditors refused to remove the restriction. The leasing company claimed that when I purchased the bankrupt's share also purchased his debt, and pestering me to make an offer to settle the debt. The Official Receiver said the £10000 I paid is for them to remove the restriction. It is my problem to deal with the secured debt. The total secured debt is about £10,000. And interest keeps adding to it. I am doubt with these issues: 1. The official Receiver is the trustee of the bankrupt. when the bankrupt died, will an exutor/administrator is still needed and have the power to deal with the deceased bankrupt's secured debt? Can I act as an administrator and ask the creditors to write the debt off? 2. I have purchased the bankrupt's share from the Trustee, the property has changed to my sole name. The debtor (deceased) has no interest on the property any more. Do I still need to pay the creditors when the property is sold? 3. Can the Creditors keep adding interest on the deceased's debt, and demand payment from me when I sell the property in the future ? 4. One of the creditor's charging order is based on the Interim Court Order. Now the debtor is dead. Is it possible to apply to court to remove the restricion?